Bank of America's grim forecast of three Fed rate hikes this year is sending shivers down Wall Street's spine. Here in Baja, the only shiver we're feeling is from the early morning ocean breeze as we check the surf. Most are just hoping their preferred artisanal mezcal brand doesn't see a "supply chain adjustment" on account of global finance. The waves at Cerritos are looking good, and that's the only real "hawkish policy" most care about.