Powell jumped the gun back in December, lowering the interest rate, so that helped inflation set in at a stubborn high ever since, long before the tariffs. The other problem is flat out greed. Biden was thrilled to give everybody big fat federal pay raises, then companies felt compelled to follow suit. Well, now with a minimal general standard of 20 bucks an hour, stuff is expensive, and a house with labor costs alone is super expensive, so the usual housing market pattern is no longer viable. It used to be high-mortgage-rate/cheap house. Now it's high-mortgage-rate/super expensive house. Then we have the insurance industry on a tear, trying to control every house, demanding new expensive premature replacements and sky high rates, so that doesn't help affordability, along with the fact that they are in collusion with the banks: no insurance, no loan