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on the economy theyre increasing reports and surveys around the U.S that lending is getting tighter following the recent banking stress are using evidence of that in the data and do you agree with the imfs assessment that a credit that a credit crunch increases the likelihood of a hard Landing whether in the U.S or globally so Ive not really seen evidence at this stage suggesting a contraction in credit although that is a possibility I believe our banking system remains strong and resilient it has solid capital and liquidity and the U.S economy is obviously performing exceptionally well with continued solid job creation inflation gradually moving down robust consumer spending so Im not anticipating a downturn in the economy although of course that remains a risk yeah the FED disagrees with her the IMF has some stuff to say on it and were going to talk about that coming up Im Lynette Zhang Chief Market analyst here at itm trading a full-service physical gold and silver dealer but