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there are reasons out there uh to be concerned about credit and this is what weamp;#39;ve been waiting for for more than a year and why are they selling credit to retail investors because the institutional people donamp;#39;t want it anymore theyamp;#39;ve decided they had enough so I worry about that Julia because if weamp;#39;re really at an deflection point I think a lot of these deals that were sold to investors on a premise of a soft Landing or not going to look so great Chris whan chairman of whan global advisors investment banker independent analyst author of multiple books and friend of this show it is so great to welcome you back on the show we love having you lot going on today so itamp;#39;s great to have you on I didnamp;#39;t arrange this this is all your fault I know itamp;#39;s all my fault Iamp;#39;m looking at the 10year treasury right now uh below 4% on the yield there we had a worse than expected jobs report today letamp;#39;s just start with the big picture