Heard is Whitney is with us here. She's CEO of Meredith Whitney Advisory Group. You've made some big calls on banks, on munis in your career, on Wall Street.What's your personal approach to investing these days. I've always been fanatic with my past. I didn't own the banks, uh, back then.Thank goodness. Um. Uh, because I was covering them, and I just felt there's always a conflict of interest.But I always take long term thematic, uh, approaches to my investing. Um, so, uh, I'll give you a couple of examples ...