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Do we like using TikTok, Instagram, and other social media because they

help and delight us? Or are we stuck using them? Because if we don't, people will

think we're losers. I'm David Brunkachio. First,

the in-crowd of finance, including some senior people connected to our central bank, the Fed,

think financial conditions are tightening and that helps the central bank's efforts to

slow the economy to fight inflation. Now, let's make some sense of this quote-unquote

tightening by journey to Jeffrey Cleveland. He's the chief economist at Payton and Regal

in Los Angeles. Hey, Jeffrey, what do you, what do they mean by tightening?

Well, it's a bit of a murky concept, but financial conditions are everything from

longer-term interest rates. So, say, your 10-year treasury yield to, let's say, the US dollar.

When the US dollar strengthens, that tends to tighten overall financial conditions.

Now, of course, it affects your mortgage rate. It affects the loan rate that you might get on

...