So, John, you sent us some notes. You're in the industry. One of the things that you really highlighted is the growth of private credit.Uh, basically increasing by about 10 times over the last couple years or so. Should that be a sign of worry that so many companies are going outside of traditional financing and turning into private credit. >> No, I don't think it necessarily needs to be to be a worry.I mean, it is very much a scale market. So, you do see a concentration of private credit provided by a hand ...