richard fairbanks is telling us investors have been asking for quite some time when will they level offthis is the point where we see that happening meeting charge off should move more or less with seasonality in the coming months. that is huge. this man's credibility is supreme. that is why the stock exploded higher. capital one runs higher by extending credit where the credit market is deteriorating and exceeding pre-pandemic levels. that is fantastic news. investors were worried about this. now they can feel confident on the sidelines. i had to choose i would pick america's best ever capital one because america's best has a better growth profile with a more durable business model. i am more comfortable with it. amex sells for 16 times earnings and capital for 10 times earnings. you might like that value play. nothing wrong with paying the best. even when you are looking at the same industry, there are multiple ways to win. america's best and capital one with their different strategies. ceos know how to run their businesses and execute an incredibly high levels that can work for any i