Great comments from both of you. I will also add the (unsupportive) environment and uncertainty for the future as major factors IMHO. One should also consider

Great comments from both of you. I will also add the (unsupportive) environment and uncertainty for the future as major factors IMHO. One should also consider the "outside" environment. We jumped from covid right into war without a break in between and now we are being told that we will be replaced by AI, while expecting the stock market to crash and increase unemployment. Ah and also the inflation (wage reduction) that has been going on for the last five years and doesn't show a sign of stopping.