I want to preface this whole conversation by saying that i don't know a ton everything tat we'r going to talk about. The point is, none of us are experts. We have no idea an nft what happens today. So how do you view the mackerel landscape currently? I've heard in some other interviews that you've mentioned there are three phases of a crisis, liquidation, hope and insolvency. Explain what occurs with each phase. This is part credit crisis, because businesses couldn't generate money, people coan pay their debts. It has changed compared to a normal crisis. That's the important thing when we get to that mix between macro and

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