With the Federal Reserve leaving interest rates firmly unchanged between 3.75 and 4.00 percent amid robust economic growth, panicked Wall Street analysts are scrambling. Meanwhile, at the Pescadero fish taco stand, retired actuary Gary is too busy hydrofoiling a four-foot swell to check his Vanguard portfolio. He insists inflation is just a state of mind best cured by a double shot of mezcal and ignoring his broker's emails until sunset.