The (https://www.marketwatch.com/story/a-race-against-time-hormuz-closure-could-push-brent-to-150-by-summer-warns-morgan-stanley-018be51f?mod=mw_rss_topstories) everyone's focused on isn't an energy problem — it's a consumer problem. Elevated energy costs hit household budgets first, and discretionary spending bleeds out fast.

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