Is that how it has evolved? And why did it get from really tight covenants to loosening?

All right, this is the interesting part, right? So, you know, if you really go back in history, like their confidence started off very simple, right? It's like, oh, promise or no, I'm lending you $100 million and you're going to pay me back $100 million at a certain time, at a certain pace, at a certain rate of interest, in a certain currency, right? That's it, one page.

You don't need more than that to do it.

But over time, these agreements got evolved to become much more complex.

And to the point that now we have these 500 page, very complicated documents that very few people understand.

I'm still on the learning curve myself, especially with all of the new technology that's coming out.

And when I say technology, I'm speaking in the context of provisions in the market.

what should they do to get into a field like this like you just being a lawyer is not enough right like you need to understand financial markets