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“You don't want to be, I guess we want to just call it bad…” — Chat With Traders at 42:59

“You don't want to be, I guess we want to just call it bad luck. You don't want to be subject to bad luck. That's, I guess, the layman's term. I see. So you mentioned that you take a top-down approach. Can you describe what that is exactly? I think it's related to what you just mentioned about credit targeting. If we…”

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