Matt Odell [1:11:42]: “Not only do I expect there to be pain, I expect it to be like, in terms of measurement, in terms of like dollar amount, and people amount, like the most pain we've seen out of all of the cycles, just because we are operating at a scale higher than we've ever operated at before, and I think that the easy thing is to say […] it'll just go up forever. Directionally I actually do agree with that, I just think there are going to be valleys in between. I think there is going to be pain in between, and you have to be able to survive that pain and not be over leveraged and destroyed when it happens, and that's why the stay humble part is important.” #