Kai Risdell

their hands as opposed to come into the closing table and using that hand to sign on docs.

I wouldn't call it a big trend, but definitely a trend the last couple of weeks.

Again, that signals to me uncertainty.

Yeah, keep going with that because it does seem to me that in the last couple of weeks, and we extrapolate that to eight weeks or so, and uncertainty has magnified.

Other than uncertainty, what do you make of it?

Well, I don't think it's overt panic by any means.

Please, not by any means.

But I do think it's that kind of concern that says things are changing so fast.

Should I just put this off for another week and see what happens?

Right, right.

And part of that's hope too, right?

Hope that a week from now things will change.

Yeah.

Yeah.

No, I like the hope bit.

That's good.

Let me ask you to step out of your local community banking mindset and use your decades of experience in this industry at large.

I want to ask you a couple of sort of very big picture things.

Okay.

Private credit and the challenges that we're seeing in that space.