If you're playing a drinking game where you take a drink every time we talk about banks,

I got some bad news.

Motifull Money starts now.

I'm Chris Hill joining me in studio Motifull Senior Analyst Bill Mann.

Nice to be across the table from you.

Hey Chris, how are you?

I'm a little agitated as I think I've been venting to you a little bit before we started

recording here because where I was reminded, Twitter reminded me of the movie Groundhog

Day this morning because there's the scene in Groundhog Day where Bill Murray, the weather

man, runs into a guy at the local bed and breakfast he's staying at and he says, do you

think it'll be an early spring?

And he just deadpan says, well, I'm predicting March 21st and he walks by the guy and the guy

is like, actually, I think that is the first.

So you did it.

So happy first day of spring to everyone.

But yeah, it's Groundhog Day because we're here with the banks again and there are a

couple of specifics I want to get into with you, but just broadly, tell me where you think

we are right now.

What is standing out to you as we talk in the middle of the day on you really don't want

to talk about banks to you.

I can tell.

I would love there to be another dominant story, but there's not like this is understandably

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