Fed's Daly Says Businesses Cautiously Optimistic; Consumers Nervous About Economy, But Spending; Those Are Strong Pillars; Outlook Depends On How Long Rise In Oil Prices, How Long Conflict Will Persist; Heading Toward Zero Labor Force Growth Based On Demographics; Zero Job Growth Might Be New Steady State; Right Now Making Up Low Labor Force Growth By Higher Productivity Growth; Absence Of Immigration Really Matters, As Does Investment In Technologies