Long Time, no chat, but old Jericho says hi. Why was I gone? Well, I had to finish some PhD stuff, and I also got very busy because I'm transitioning jobs. I'm proud to say that the next time I do an Ask an Economist thread, I'll have to edit the title and make it an Ask a Senior Economist thread. In a few weeks I'll be joining the FDIC, and I'll be one of those regulators trying to keep loan behavior honest! So, I just wanted to say hi again!