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Hello and welcome to another episode of the Odd Lots podcast.

I'm Joe Wisenthall.

And I'm Tracy Alloy.

Tracy, there are just so many credit-related things to talk about right now. All things, credit. I love it. I love it. Credit is interesting again. This might be one of the only credit episodes that we've ever done were, like, I found the guest. Because I feel like when I think about all the credit episodes, it's usually like someone you know. And randomly, I found someone who knows a little bit something about credit. She was like, oh, let me do it. Let me. The stakes are high, Joe. I know. I was thinking about that because you're like,

oh, Joe, you like pick someone who like doesn't know anything. No, I don't think that. I think we have a very knowledgeable credit guess, but I'm a little stressed about this aspect. I believe in you, Joe. I trust your judgment. But to your point, there's a lot going on. So obviously, there are concerns

...