Let's welcome in Tariat Adam Parker, CEO and founder of Tvariat Research, a CNBC contributor at Post9. It's good to have you back. >> Thanks for having me.>> Are you dialed in on on credit and loans and all the things that people are talking about outside of the stock market. >> It's definitely coming up in a lot of my meetings. It's polarizing.I think most people the consensus among the institutional investors is this is going to pass. We're going to get locked in on earnings. I don't even think it's next ...