When interest rates are low everybody starts looking at the top line and nobody's looking at you in economics of the bottom line now that's flip this is looking like okay how much did it cost you to make that money and this is quality of revenue. Bill girly's been shouting about this for a decade he's literally been like you know shaking his fist you know at the moon i shake my tiny fist at god will because it's not very fun right it's notvery fun to be the one to be the grown up in the room.

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