Okay, what the heck just happened to FICO, the predictive analytics and data science company best known as the keeper of the FICO credit score, a company that we've liked for a very long time. We love their business model. Historically, this has been one of the best performing stocks in the past 20 years, but lately it's come under attack by the new director of the Federal Housing Finance Agency, who's called FICO a monopoly.Just a couple of weeks ago, the FHFA pushed through new rules so that lenders can u ...

It is clearly preferred by the industry. If you look at well, first of all, FICO score is used all over industry and we've been competing with Vantage for 15 years and we always win. We have over 90% market share in all these other markets that have nothing to do with the government. And then within the mortgage market, um, in the non-conforming market where there's no government mandate, FICO is the clear industry standard. And guess what? They're adopting FICO 10T. So we've we've done 313 billion in origi ...