Joining me now is Charlie Brinskcoy, vice chairman and head of investment group at Ariel Investments. Charlie, happy Friday. Good to see you.Are you shrugging off the this uh little maelstrom in regional banks or is it a sign of things that you're continuing to track. >> Well, you should never shrug off uh credit issues. Credit issues are what drive bank returns and they always come.Most of the questions that you're asking, John, have quantifiable answers in terms of data. I mean we are seeing banks report ...