Fed Chair Powell Says Right Now It's Early Days With AI And Not Showing Up In Layoffs Yet; Views Are Varied Among Governors And Among Presidents; People On Both Sides In Both Groups Of Policymakers; Housing Market Faces Significant Challenges; Quarter-Point Cut In Fed Funds Rate May Not Make Much Of A Difference On Housing Affordability; Have Not Built Enough Housing For A Long Time; Tools To Address Housing Shortgage Are Not The Fed's Tools