[It'salmosttolate]

...and The Beat Goes On, and The Beat Goes On.

[Uncle Bill]

Yep. If you ask your neighbor questions about JCT dynamic vs. static scoring, they'll ask you what sports team you're referring to. Or, if you live next to a banker, he'll explain to you that his is better because his new front-end Fair Issac origination system that's in place provides the fastest credit scoring system available to quickly put you in debt further which makes happy fiat financiers.