I think the forward guidance from macro forecasts by various banks is peak unemployment around December 2023, and the beginning of a recovery around mid 2024. W

I think the forward guidance from macro forecasts by various banks is peak unemployment around December 2023, and the beginning of a recovery around mid 2024. We are expected to be back to growth by early 2025. I personally concur with this view. Until then I fear we are all either moreso squirrels or grasshoppers -- as the parable goes -- and will reap accordingly.