New York Community Bank Corp, Star Bulk Carriers, Western Union W U

A jenny, on to you. And it's so interesting, because you have three picks for us. None of your picks are in energy, which is interesting and it is rubving off just a spectacular 20 21. Your individual stock picks, our new york community bank corps, that's n y c b, star bulk carriers, s b l k and western union w u. Ok, thanks. So we'll start with nor new York community. Well, what i tried to do with each of thes i went through the portfolio and i thought, where? Where are three stocks where there's really specific events that should happen in the next year related to these? Because the