00:00...brew out may be brilliant, but I guarantee you not all 1,000 of them are.
00:03So my view, because of that and the underwriting standards, we haven't had a credit recession in so long.
00:08So when we have one, it will be worse than people think.
00:11It won't be terrible, it'll just be worse than people think in private credit.
00:14That may be true for some banks too, by the way.
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