A bit, yeah--the banks are all over the place with this new disclosure and are still learning how buckets map to exposures. I don't have a good answer on how to adjust, but basically: NDFI is not growing at 45%, and C&I is not contracting at -5%

A bit misleading bc of the enhanced disclosure that kicked in end of last year, meant a bunch of stuff is moving out of C&I and into the NDFI category, that's why YoY looks so nutty

In no way condoning it, but he went to HS with the drummer

Makes it veryyyy easy to slip into professional nihilism

If it doesn't alter underwriting then it doesn't really do anything, no? At min I'd think the models have to incorporate the tax credit into underwritten PTI at the least (which then means guessing on tax status)

Sincere question from a similar experience: is it that powerful or is that the 'traditional' modes of searching the internet are broken? Like, are your useful GPT applications just rolling back to Google's capabilities of 5 yrs ago? Im honestly not sure

I tell everybody about the time I had Danny Almonte down 0-2 and promptly drilled him in the back next pitch

Not talked about nearly enough this cycle--not only did we do massive fiscal stimulus, but it was targeted at people with a marginal propensity to consume damn near 1! Last 4 yrs showcased the economic potential from narrowing inequality. Ah well

bad-faith lottery ticket, the fnma pfds piss me off so much

Z.1 nerd-to-nerd do you know when the DFA quarterly update comes out?

It wouldn't even get close...good god, can you imagine those S-1 disclosures

John's?