It’s interesting that you’re so focused on my employment status....

It’s interesting that you’re so focused on my employment status. I’m self-employed, so I choose to dedicate my time to where I see value. As for ZIP, my stance on it isn’t based on short-term sentiment but on the longer-term market environment. With higher-for-longer interest rates, companies like ZIP that rely on growth in credit-based sectors could face significant headwinds. I’ve done my research, and I don’t think the bullish sentiments from some analysts, like those at Citi or UBS, are factoring in the broader economic risks. Their reports may be more polished, but in the end, they often miss the bigger picture. You can always focus on the strengths and opportunities of a company, but when the broader macro environment works against it, those can only carry a stock so far.