Don;t be embarrassed. Just like I don;t understand a lot about tech and crypto, etc. the only way to learn is read and/or ask. Typically interest rates are higher the longer out you invest meaning a 3 month TBill should have a lower interest rate coupon that a 10yr. TNote. But when a shorter duration instrument carries a higher interest rate than a longer duration instrument, that is called curve inversion. So historically speaking when the 3 month TBill has a higher rate than the 10year TNote, it has predicted a recession in the near future 100% of the time. Most talk about the 2yr. 10yr spread, but the 3 month 10yr. I believe has a perfect record. But in my case I think we are already in recession. The talking heads think not yet, but the Bloomberg Future Index shows a 100% probability.