The ‘American Dream’ of home ownership remains alive and well. Despite significant increases in mortgage rates in recent years and fears the housing market would tumble as a result, there are structural factors that may have played a crucial role in the resiliency of this housing market. We point to demographics and work from home …

In the rapidly evolving landscape of artificial intelligence, this year’s advancements mark a significant shift towards a more personal and accessible AI experience for everyday individuals. Unlike the technological strides of the past two decades, contemporary AI has seamlessly integrated into the fabric of our daily lives. It is already empowering people to accomplish mundane …

We have consistently emphasized this year that our House View – a strong consumer base powers a resilient economy – continues to resonate in both the broader stock market and economic indicators. As we sharpen our pencils, though, we’ve discerned shifts in consumer preferences. The consumer appears undeterred by inflated prices for everyday indulgences, such …