Um, from your perspective, I'm curious, like, have, have you been seeing that from your side of things? And, you know, what, what are your thoughts around the, the competition aspect?

Yeah.

So this is a really interesting one, um, and I'll take you back a little bit as well.

So, um, you and I were at the Fortra Law Conference in August of last year, and funny enough, we had, um, the Kevin Werner, uh, up on stage and, and I remember having my pre-meeting with him, um, in July, and we also had, um, Arvind Mohan with, with Kyavi.

So the two of them were sharing the stage and, and, you know, effectively the number one and number two lenders in the country kinda sitting there and explaining their vantage points, and this is fascinating to, to kinda hear them.

And they both basically said the same thing, which at the time was quite shocking to me because they were, they were basically saying...

You know, I'd ask them, "What's your, what's your take? How-- Are you optimistic? Are you pessimistic? Where-- How are you feeling about the market ahead of us?" And they both said neutral.

But what other trends have you seen in the data from your perspective, you know, over the, the course of the last kind of six to twelve months?