Philadelphia Federal Reserve Bank President Patrick Harker stated that the Fed has probably done enough in terms of rate hikes. He noted strong GDP growth, declining inflation, and low unemployment, but also mentioned a tightening of credit standards and a slight increase in credit card delinquencies. Harker is not overly concerned about the 10-year yield and sees a softening of demand trends, particularly from low-income consumers. He expects a broader slowdown in the economy and believes it's okay if unemployment rises to around 4% or slightly higher.