James, are you gonna shoot it down?

Well, it's very hard to follow that, and, um, I'm very heartened to hear, um, the logical approach to matching the underlying need with the, um, financing, and then the understanding of the strategic assets and leveraging those assets and cash flows to right-size your needs to fulfill your working capital requirements and trade.

Makes a lot of sense.

Um, I, I'm not gonna take an opposite to that, but I'm gonna take a, a different view and a, and a different approach and share some insights.

In banking over the last 30 years, some things have changed and some things have stayed the same.

Um, you mentioned, um, some of the shocks.

We talk about black swan events.

[laughs]