The fall market was impacted by global conflict, falling stock markets and interest rates jumping to their highest point in 23 years. On November 1st, the October jobs report came out, the Fed extended their pause on raising its benchmark rate, and the Treasury Department issued revised guidance pertaining to upcoming bond sales. As a result, by November 3rd, stock markets had logged their best week of the year, and interest rates saw a near-record decline. It’s too early to speculate on how these shifts will play out in the coming weeks and months, but, hopefully, rates will continue to normalize and consumer confidence will continue to recover into the new year.