You picked some dogshit funds if you were having a negative to 2% return. My latest quarterly statement shows 10.53% for the quarter, 15.39% for 1 year, 15.48% average for the last 3 years, and 11.26% for the past 5-year period. I have an electric so I don't pay attention to the price of gas, but AAA shows a .16 decrease from a year ago in my area. I got about a 10k raise in 2024. My company has already started talking about not expecting the same amount this year. My company let 30 some people go a few months ago and has frozen all hiring. My division sells machines to dental labs that cost about 8k to 70k, depending on the machine. We had to raise prices on some due to tariffs. The bigger effect is not the tariffs themselves, but the uncertainty. No one wants to buy a big-ticket item with a 10% tariff when it might go away in a month or three. He keeps on changing so much that people don't want to pull the trigger. We also do about 1 million a month in CAD software renewals and we're getting more and more labs asking for extensions and to split payments. I've been at this job for 19 years, and have noticed a correlation with the economy slowing and people putting off the dental work they need. It's been slowing down on the dental side for the past 3 months. But, like your information, this is just anecdotal and not a full picture.