meredith whitney, historic figure.at the possibility of a financial crisis in early 2007. a lot of people laughed at her. don't think they laughed 18 months because it happened just as she thought it would play out. good to see you again. you are not aging, that's another story. i was thinking of you on this. a lot of the banks got caught in that. it fed on itself. the difference is a lot better capitalized but they too have invested heavily in ai, don't know whether directly or indirectly but it's a key part of their future. how do you see that working out? >> they have to invest in technology and lower costs. it's not getting expensive, it is getting more expensive in overall investment in cybersecurity and labor costs have gone up, not a lot of loan growth. they've got to economize anyway they can but one example, the banks didn't talk about ai that much. they think it's a game changer for sure, one company that didn't, 7% since april, rocket mortgage, the largest originator. they focus intently in the quarter. a bi