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Good morning everybody and welcome to the decline of civilization. Apparently everything's

falling apart but we'll put it back together again. Your mental state will be so much better

when I'm done with you today. I know it's sort of a disturbing day but we'll make it better.

That's what we do. And if you'd like to make it better, all you need is a gupparo mug

or a glass of tanker, chalice or style, a canteen jug or flask, a vessel of any kind.

Fill it with your favorite liquid, I like coffee. Enjoy me now for the unparalleled pleasure

of the dopamine, the day, the thing that makes everything better, including the banking

system. You don't believe me? Watch this. We're going to take a sip and everything will

be better. Go. Yeah, yeah. Can you feel it? I feel like deposits just went up and

credit quality improved a little bit. It might not show up in the data but I can feel it.

And my lived experience is far more important than your damn data, this for sure. Well let's

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