I think it's quite a puzzle.

Consumers have a lot of payments they have to make and a significant number of those are rising.

Factory and labor utilization rates are too high. Companies will have to add inventory and they will have to add people.

It's a matter of getting it all done. It's in part because people are working so long at their jobs.

That's the story of Central Florida. That's the story of the state of Florida.

They're just one more part of the puzzle.