You kind of become surrogate parents.

I don't see any way it will be down 20%, like people were predicting.

There is just plenty of supply. There are deals coming out everywhere.

We had a huge increase this year and it's unlikely that it can be sustained at that level. With interest rates moving higher, mortgage originations will be down a little bit, and as a result, securitizations will be down.

ABS (issuance) will be down a little bit in the coming year because most of the growth was in the home equity sector.

A couple of the kids ran ahead of their parents and then returned back toward the waterfall away from the parking lot saying there was a bear between them and the parking lot.