Let's welcome in the team from Charles Schwab. We've got Kathy Jones, chief fixed income strategist, Schwab Center for Financial Research, and Kevin Gordon, senior investment strategist at Charles Schwab. Thank you so much for joining us, Kevin.Uh I'll start with you because uh you're saying that this concentration risk is uh putting up a little bit of a a yellow flag. So, a bit of caution, not hazardous just yet or ringing alarm bells, but why is that. Yeah, I mean the caution um and anytime you run into t ...