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Speaker 1: Welcome to the Bloomberg Markets Podcast. I'm Paul Sweeney, alongside

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Speaker 1: my co host Matt Miller. Every business day we bring

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Speaker 1: you interviews from CEOs, market pros, and Bloomberg experts, along

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Speaker 1: with essential market moving news. Find the Bloomberg Markets Podcast

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Speaker 1: on Apple Podcasts or wherever you listen to podcasts, and

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Speaker 1: at Bloomberg dot com slash podcast. Now, we want to

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Speaker 1: talk about the restaurant business with Lad Ricker's, the CEO

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Speaker 1: of zen Put. If you run a large restaurant chain,

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Speaker 1: you already know what the company does. It's a platform

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Speaker 1: used by huge names Domino's, Papa John's, uh KFC, five Guys, Chipotle, etcetera. Um,

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Speaker 1: I don't know exactly what it does flat, so I

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Speaker 1: know that you your platform helps people with safety, helps people,

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Speaker 1: especially giving the COVID situation. But what exactly do people

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Speaker 1: use zen Put to do? Yeah, of course, thanks for

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Speaker 1: having us so our customers. You said to make sure

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Speaker 1: that every time you walk into one of their locations,

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Speaker 1: the food and dying experience is great. There making sure

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Speaker 1: that the food is being handled and prepared to safely,

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Speaker 1: you know, taking temperature readings, making sure that the hot

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Speaker 1: food is hot. The cold food is cold, and particularly

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Speaker 1: given given last year with COVID, a lot of our

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Speaker 1: customers were used us to make sure that you know,

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Speaker 1: safety and clean procedures were followed, that they were being

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Speaker 1: done correctly, so that you and I, whatever we walk

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Speaker 1: into one of these places, we know great, this place

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Speaker 1: is UM. This places following the like protocols and as

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Speaker 1: you were mentioning, that's correct. We worked with some phenomenal

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Speaker 1: brands that about UM and roughly about fifty locations across

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Speaker 1: a hundred plus companies, including including the Dominoes in Germany

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Speaker 1: and even there should grows technology in Germany as well.

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Speaker 1: So glad. You know, you walk past almost any restaurant

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Speaker 1: here in the States, whether it's a you know, part

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Speaker 1: of the national chain like a Papa John's or Chipotle,

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Speaker 1: or you know, an independently owned restaurant, almost everyone has

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Speaker 1: a help wanted sign in the window here. How bad

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Speaker 1: is the labor shortage in the restaurants slash fast food business? Yeah, look,

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Speaker 1: it's it's it's challenging right now. You know, there's a

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Speaker 1: there's a comment that we heard from our customers starting

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Speaker 1: a couple of months ago that said we felt like

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Speaker 1: we just got out of one pandemic and we're getting

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Speaker 1: into another one, but now one being the labor shortage. Look,

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Speaker 1: it's um, it's uh, it's challenging, without a doubt. I

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Speaker 1: think early on you had a shortage of people that

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Speaker 1: didn't want to go back. They were worried about you know,

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Speaker 1: I don't want to get sick of it, I don't

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Speaker 1: want to get COVID potentially from somebody else in the workplace,

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Speaker 1: and so they bought out of it. Um that's now

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Speaker 1: fading a bit with vaccination. Vaccinations obviously where they are

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Speaker 1: today in terms of how many people are getting them,

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Speaker 1: um to, you're having a lot of people just kind

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Speaker 1: of question the type of work that they want to

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Speaker 1: be doing. All of a sudden they said, well, hold on,

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Speaker 1: I've been doing this for five or ten years, and

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Speaker 1: maybe I don't want to do this thing more. Maybe

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Speaker 1: I want to switch jobs and go to a different career.

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Speaker 1: And I think that the third piece of it a

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Speaker 1: little bit, and it kind of varies from the statements.

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Speaker 1: That is, some of the benefit the temporary benefits that

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Speaker 1: we have from the government that are coming in, but

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Speaker 1: are also you know, providing some some money these individuals

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Speaker 1: and so the customers a week talked to in regulations

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Speaker 1: are getting real creative, right for hitting out money just

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Speaker 1: to even get people walking the door for an application.

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Speaker 1: Fifty dollars just to interview, fives on your first paycheck

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Speaker 1: if you start within two to three weeks, and another

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Speaker 1: five drawars that anyone else that would recommend someone. So, um,

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Speaker 1: it's challenging for sure. So does this get sorted in

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Speaker 1: the next couple of months. We know those unemployment benefits

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Speaker 1: run out in September, and I realized, you know, there

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Speaker 1: are other aspects to this, but once those are done

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Speaker 1: and people have gone through savings, you'd assume they're gonna

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Speaker 1: want to go back and get fifty dollars for an

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Speaker 1: interview and five um to start off. Yeah, I'm actually

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Speaker 1: considering doing some interviews later today to get I think

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Speaker 1: I think as a whole you're probably gonna see that

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Speaker 1: exactly what you said towards maybe you know, my our

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Speaker 1: best guests is maybe towards the end of the summer

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Speaker 1: beginning of the fall, at some point we start to

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Speaker 1: hit some level of normality, and I think maybe people

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Speaker 1: start to kind of fade a little bit out of

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Speaker 1: the pandemic. To your point, the benefits start to run

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Speaker 1: out all of a sudden, jobs might be a little

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Speaker 1: bit harder to come by, right because some of these

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Speaker 1: places might might start finding the people that they need,

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Speaker 1: and people start to settle in into certain environments. UM

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Speaker 1: So I would imagine, you know, based on the things

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Speaker 1: that we're here and from from our customers, is that there.

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Speaker 1: You know, while this started off a couple of months ago,

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Speaker 1: it's very difficult. They found ways to deal with it.

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Speaker 1: Um A lot of it usually have to deal with technology.

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Speaker 1: How do you invest in technology to basically make the

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Speaker 1: people that do have at the store with the restaurant

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Speaker 1: a lot more efficient. They can get more done this way,

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Speaker 1: and so they're trying to find ways to increase that

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Speaker 1: so that hopefully by the time people do come back,

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Speaker 1: you know, and there and they're fully staff, they're rocking

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Speaker 1: and rolling, you know, on all cylinders that thirty seconds.

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Speaker 1: Is there a chicken wing shortage out there? Yeah, a

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Speaker 1: little bit. These uh, these these chicken uh, these chicken

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Speaker 1: wars have gotten very serious. I think the you know,

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Speaker 1: everyone's pushing into the chicken sere, which is the chicken wings.

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Speaker 1: Obviously wingstoff did a phenomenal job during the pandemic, but

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Speaker 1: the most searching pieces. As prices have gone up on chicken.

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Speaker 1: I think Winstoff came out a couple of weeks ago

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Speaker 1: with there now five stop UH brand that's delivery only

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Speaker 1: they're buying whole chickens trying to get a lower price

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Speaker 1: for the chicken, and then they're now selling a big

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Speaker 1: chunk of it off from some other way. But that's

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Speaker 1: UH should be good. Listen, Chicken from a lot of

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Speaker 1: these places is pretty solid, so it's we benefit of

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Speaker 1: consumers from these chicken wars. All right, glad, thank you

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Speaker 1: so much. We appreciated glad Rick deir CEO of zen

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Speaker 1: Pod giving us a son of the overview of what's

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Speaker 1: going on on the restaurant business fast food business. Obviously

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Speaker 1: the demand picking up dramatically supply side, particularly on the

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Speaker 1: labor A little bit challenge here as a deal with

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Speaker 1: the rebound right now, I want to get into UM

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Speaker 1: crypto and defy and everything surrounding it. Diva Balji joins

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Speaker 1: as senior editor at Bloomberg News. Talk to us about

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Speaker 1: what's happened here. I guess you know, as we broke down,

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Speaker 1: UM did you a below thirty thousand, A lot of

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Speaker 1: people took that as a technical time to buy in

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Speaker 1: and did so. Now we're bounced back up UM from

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Speaker 1: that level. What's what's the state of crypto currently at

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Speaker 1: this point, it's up about it's up to about thirty

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Speaker 1: four thousand for bitcoins specifically. You know, even stocks that

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Speaker 1: slump yesterday, crypto linked stocks that slumped yesterday have sort

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Speaker 1: of quickly reversed UM today. They're mostly all in the green.

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Speaker 1: You know, micro Strategy, which obviously was a huge focus

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Speaker 1: for a lot of investors yesterday because you know, they've

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Speaker 1: been making a bullish beat on bitcoin UM is also

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Speaker 1: back up today. So overall, you know, I don't want

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Speaker 1: to say it was a bit of a blip yesterday

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Speaker 1: because that was a huge loss for a decent amount

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Speaker 1: of time. But you know, I also don't want I

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Speaker 1: also just you know, it's not exactly surprising, you know,

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Speaker 1: to see the type of volatile ride that bitcoin and

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Speaker 1: crypto stocks have. Yeah, that's kind of where I want

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Speaker 1: to go, give you the volatility associated with crypto and

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Speaker 1: particular bitcoin. For some naysayers or some folks that look

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Speaker 1: at this, they say, you know, the volatility is just

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Speaker 1: too great for this to be a real asset class um.

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Speaker 1: What are you hearing? Um? You know, generally people who

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Speaker 1: are invested in crypto currencies and bitcoin and the stocks

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Speaker 1: that are linked to them are very very well aware

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Speaker 1: of how volatile it is. And you know, some people

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Speaker 1: that we've spoken to generally what they say is as

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Speaker 1: much as it goes down, there's a chance of it

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Speaker 1: going back up and even higher. So, you know, they

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Speaker 1: seem to be very well versed or or knowledgeable in

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Speaker 1: the land of crypto and seemed to be generally or

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Speaker 1: at least the bulls are sticking to their guns and

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Speaker 1: believe that, you know, this is the place to be,

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Speaker 1: whether it's volatile or not. If you can stomach it,

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Speaker 1: you know, stay because you can potentially make money off

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Speaker 1: of it. Is there any uh, is there any merit

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Speaker 1: to trying to find a reason for the gains and losses?

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Speaker 1: I mean, we always cite China's clamp down on mining

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Speaker 1: or Elon Musk's tweet, But isn't a lot of this

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Speaker 1: really momentum driven in technicals. I think it's a combination

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Speaker 1: of both. You know, sometimes it is hard to sort

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Speaker 1: of pinpoint a specific reason on any given day. But

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Speaker 1: and you know, sometimes it could be the fact that

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Speaker 1: Musk is tweeting something about it that's really driving the shares.

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Speaker 1: But you know, there's definitely a part of it that's

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Speaker 1: momentum driven. You know, if it's a bunch of people

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Speaker 1: on Reddit who are talking about it and pushing the

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Speaker 1: stock higher, or just general market rotation. Um, they all

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Speaker 1: tend to play a part in this, you know, on

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Speaker 1: any given day. So let's broaden it out to some

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Speaker 1: of the derivative plays that the stock market plays for crypto.

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Speaker 1: I'm thinking coin based that was a really high profile

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Speaker 1: direct listing here. Are direct direct listings still a thing here?

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Speaker 1: Or you know, the coin base says it hasn't traded

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Speaker 1: very well, So I'm wondering if that kind of puts

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Speaker 1: a pall on that. Yeah, you know, it definitely was

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Speaker 1: something that a lot of companies were, you know, actively

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Speaker 1: pursuing or considering. I think what we've seen of late,

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Speaker 1: whether it's coin based or other direct list things that

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Speaker 1: have come through, is just the fact that you know, yes,

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Speaker 1: they are an alternative way to list your stuff, but

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Speaker 1: some of them haven't done as well. Like you pointed out,

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Speaker 1: with coin based UM as other ideas. So you know,

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Speaker 1: generally people seem to be questioning whether a direct list

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Speaker 1: thing is really the way to go UM for their company.

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Speaker 1: All right, we really appreciate it to be a bold

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Speaker 1: senior editor Bloomberg News joining us on the phone, talking

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Speaker 1: all things crypto again. Bitcoin up about two point eight

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Speaker 1: percent today, pushing up close to thirty four thousand, a

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Speaker 1: big reversal from it when it broke below a technical

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Speaker 1: support level of thirty thousand. Levet more coming up now.

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Speaker 1: I want to bring Dr Eric Servini. He is a

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Speaker 1: Gates Cambridge scholar and an historian. He wrote a book

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Speaker 1: called The Deviance War, The Homosexual versus the United States

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Speaker 1: of America, and we bring him on UM to talk

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Speaker 1: about that obviously in relation to Pride Month and New

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Speaker 1: York City's Pride Week, which is this week. UM, Dr

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Speaker 1: thanks so much for joining us. UM. We have strewn

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Speaker 1: around the office a number of different Pride flags and pins,

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Speaker 1: and you know here at Bloomberg obviously, UM, we're very

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Speaker 1: aware of the situation. I think in New York City

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Speaker 1: as well, people are is it nash only as as

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Speaker 1: as as UM visible as it is on the coasts.

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Speaker 1: I think so, and thanks for having me. You know,

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Speaker 1: Pride goes back more than fifty years now, and it

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Speaker 1: started out as as a protest and as a reaction

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Speaker 1: to police violence at the Stone Wall in in New

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Speaker 1: York City. But it's really from that moment has grown

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Speaker 1: all across the country and all across the world. You

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Speaker 1: can rainbow flag, uh, not just on on logos and

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Speaker 1: not just in parades, but in in houses and schools

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Speaker 1: all across the w entire world, and it's comes to

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Speaker 1: mean a symbol for equality. And I think that's something

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Speaker 1: that you'll start to see grow even more in the future.

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Speaker 1: All right, Well, the folks in Washington are friends in Washington,

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Speaker 1: and Congress are you? I guess there's the Equality Act

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Speaker 1: which is going back and forth. Give us the status

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Speaker 1: of what is the Equality Act? What does it seek

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Speaker 1: to do? And kind of where are we in terms

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Speaker 1: of the discussion in Washington. Sure, Well, until last year,

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Speaker 1: there was no federal protections for anyone who was lgbt

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Speaker 1: Q plus when it came to employment, when it came

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Speaker 1: into housing, public spaces, or services. And there was a

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Speaker 1: very important Supreme Court decision last year bus Dot versus

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Speaker 1: Clayton County, which for the first time, the Supreme Court

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Speaker 1: said that actually the Civil Rights Act of nineteen sixty

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Speaker 1: four protects queer folks in this country. The problem is

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Speaker 1: according to which administration is currently in power. Currently President

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Speaker 1: Biden issued an executive order saying he was going to

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Speaker 1: interpret that to mean that it applied to all sorts

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Speaker 1: of different areas where discrimination should be prohibited, so education, housing,

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Speaker 1: and healthcare. But the problem is, at any point, if

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Speaker 1: we had a different administration in office who interpreted that

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Speaker 1: Supreme Court case differently, UH, than very easily those protections

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Speaker 1: that we currently have UH could be stripped. So what

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Speaker 1: the Equality Act would do is cod if I and

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Speaker 1: make very explicit that Supreme Court decision to ensure that

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Speaker 1: this is a permanent protection for a very large and

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Speaker 1: growing minority in our country. Is at some point has

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Speaker 1: the movement shifted the zeitgeist of it from a gay

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Speaker 1: rights movement to really just a general political movement, because

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Speaker 1: it's not just lesbians, gays, and bisexuals. There are many

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Speaker 1: many more letters and numbers now in UH involved. And

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Speaker 1: it's not just the rainbow flag I read today. There

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Speaker 1: are thirty different rainbow flags UM is it at some

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Speaker 1: point just a political dogma. Well, I think it's just

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Speaker 1: a community of folks who don't identify as straight or

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Speaker 1: cis gender meaning you're this, you identify as the same

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Speaker 1: way you were assigned at birth. Uh, And so there

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Speaker 1: are so many different gender identities and this goes back

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Speaker 1: thousands of years. What's new isn't the concept of being

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Speaker 1: non binary or not being male or female. What to

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Speaker 1: do is that binary itself? And so what you're starting

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Speaker 1: to see is people realizing that, especially younger folks, that

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Speaker 1: there are so many different varieties of humanity. And that's

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Speaker 1: true not just among straight people, but within the queer

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Speaker 1: community as well. There's so much diversity contained within that

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Speaker 1: one rainbow flag. In fact, it's changing, and I reginate

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Speaker 1: that there's an a sexual flag as well. I mean

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Speaker 1: there's it's it's almost like everyone except for a small group,

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Speaker 1: is contained into the in the in the movement. Right. Well,

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Speaker 1: at the end of the day, you look at our

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Speaker 1: Congress and you see a very small group it's running

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Speaker 1: our country. It's a it's white, this gender straight men.

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Speaker 1: And you know, there should be flags for everyone else

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Speaker 1: because given how ubiquitous we are, we should be also

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Speaker 1: in power. We should also have representation in media. So

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Speaker 1: I think that's why those flags are so portant, because you,

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Speaker 1: as you mentioned, there is a disparity between who is

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Speaker 1: actually in power, who has the wealth, and then who

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Speaker 1: actually constitutes this country. All right, Eric, thank you so

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Speaker 1: much for joining us. We really appreciate uh your time.

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Speaker 1: Dr Eric Servini Gates, Cambridge scholar and historian, also author

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Speaker 1: of the book The Deviance Wore The Homosexual versus the

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Speaker 1: United States of America. And you're right, Matt, the flag

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Speaker 1: is it seems to be growing and growing and growing.

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Speaker 1: Is more and more people you know, look to have

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Speaker 1: their positions is aired and and be you know, fairly represented.

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Speaker 1: So it's an issue that is important. Is you know,

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Speaker 1: Eric was saying, are the folks on the Congress are

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Speaker 1: you know, looking at a lot of these issues as

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Speaker 1: well from a legislative perspective. Um, and certainly for the

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Speaker 1: Biden campaign, kind of a a important issue. All right,

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Speaker 1: Let's talk technology, particularly artificial intelligence and how it's transforming

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Speaker 1: the financial services business. For that, we bring in Lisa Chi.

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Speaker 1: She's a senior research analysts for robot Global. Lisa, thanks

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Speaker 1: so much for joining us. Here, I'm probably fairly representative

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Speaker 1: of some people. Are a lot of people that during

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Speaker 1: the pandemic, I found myself doing a lot more digital banking,

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Speaker 1: a lot more banking on my phone. Talk to us

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Speaker 1: how the financial services industry is adapting. How well is

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Speaker 1: it adapting to technology? UM, Yeah, thanks for having me. UM. So,

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Speaker 1: I've been following the fintech industry for a while now

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Speaker 1: and and and it has really evolved, probably in the

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Speaker 1: past decade, has really seen a lot of advancement, and

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Speaker 1: obviously with the pandemic has accelerated all the activities around

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Speaker 1: e commerce. And just like you, I've also been home

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Speaker 1: and be doing a lot more online shopping and a

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Speaker 1: lot more of the kind of the touchless payment system. Right. So,

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Speaker 1: some of these dynamics that we're seeing and experiencing today,

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Speaker 1: UM is due to all these digitization that we're seeing

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Speaker 1: growth of IOP devices that definitely had a lot to

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Speaker 1: do with it. UM. I think ten years ago we

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Speaker 1: had just about a third of the world that we're

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Speaker 1: Internet users, and now almost two thirds of the world

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Speaker 1: has access to some type of Internet. So, and on

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Speaker 1: top of that, I think technologies around cloud services UM

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Speaker 1: combined with advanced compute power has really accelerated, so so definitely,

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Speaker 1: the financial industry has been real tremendous progress in terms

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Speaker 1: of innovation, and I think we're just at the tip

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Speaker 1: of the iceberg and what's to come talk to us?

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Speaker 1: I mean, I often wonder is that, you know, here

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Speaker 1: in midtown Manhattan, there's still a lot of bank branches around,

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Speaker 1: and I'm wondering what's the future of a branch commercial

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Speaker 1: bank branch because I can't even recall the last time

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Speaker 1: I went in one, right, I think UM definitely the

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Speaker 1: we've all received our if you had a credit card,

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Speaker 1: we all received that touch this UM credit cards in

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Speaker 1: the mail in the past six months or so. I

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Speaker 1: got a few exactly UM. I think the younger generation,

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Speaker 1: the millennials, definitely feel much more comfortable using their apps

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Speaker 1: to do their banking. And you saw the growth of

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Speaker 1: UM institutions like robin Hood, right, and you've got companies

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Speaker 1: that coin b is coming out, and and that that

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Speaker 1: use of the used platform in the apps have really

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Speaker 1: UM kind of dominated UM some of the usage and

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Speaker 1: mind share. So definitely, the banks and credit card providers

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Speaker 1: are kind of scrambling at the moment trying to find

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Speaker 1: some innovative solutions and really adapting to the world um

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Speaker 1: and I think that definitely we're seeing a combination of

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Speaker 1: the cloud and co put power and adoption of the

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Speaker 1: AI that's really making the experience for the consumer a

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Speaker 1: lot more user friendly, and I think we're going to

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Speaker 1: see a lot more innovations around that. I think the

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Speaker 1: biggest hurl, and while you still will see some of

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Speaker 1: the banking branches is because of the integration between the

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Speaker 1: back end solutions and then the front end. It's still

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Speaker 1: being worked on and that's still um I think we're

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Speaker 1: going to see a lot of spending around that UM

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Speaker 1: but I think that the industry is really um embracing

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Speaker 1: technology to offer that integration from the back influtions and

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Speaker 1: the front end, and you're seeing lots of progress. You

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Speaker 1: publicly don't really feel it on a day day basis,

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Speaker 1: but you believe it or not. Um AI is just

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Speaker 1: at the forefront of everything that we're doing. So when

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Speaker 1: you're banking, whether you're talking about your credit card transactions

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Speaker 1: are actually transferring money into different payment system like there's

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Speaker 1: the wallets right venmo um cash up where we just

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Speaker 1: have so many options now and you could also trade,

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Speaker 1: you know, equities and bitcoins with our banking and then

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Speaker 1: at the same time you get a credit card and

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Speaker 1: a debit card. So you're seeing this integration of these

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Speaker 1: solutions happening and at the at the same time, UM,

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Speaker 1: I'm very concerned as a tech analyst to see what

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Speaker 1: are the industry doing. Are they doing enough to to

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Speaker 1: prevent fraud? And what type of data are they collecting?

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Speaker 1: And are we going to have this world where every

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Speaker 1: transaction that we're making, um where it's while it's going

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Speaker 1: to be personalized types of transaction and solutions that's going

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Speaker 1: to be coming to us, but in terms of marketing,

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Speaker 1: are we going to get flooded? Right? With marketing? You know,

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Speaker 1: whether it's a spam or alert notification throughout text, it's

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Speaker 1: really it's we're coming at a level where we're industries

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Speaker 1: really embracing technology. But are they going to be smart

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Speaker 1: and be thoughtful and how they're going to use the data?

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Speaker 1: I mean just writing just writing the New York City subway.

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Speaker 1: In my lifetime, I've gone from using the tokens um

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Speaker 1: to then swiping the metro card and now I just

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Speaker 1: tap my iPhone to the turnstyle and boom, I'm in,

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Speaker 1: So that's the good news. The bad news is I

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Speaker 1: think the MTA knows where I'm going at all times

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Speaker 1: now and that's a little scary. So it kind of

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Speaker 1: goes to your point of uh, security, are are there

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Speaker 1: are there some companies that are focusing on that? Yes, definitely,

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Speaker 1: UM there are many companies that are whether private and

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Speaker 1: public that's really helping with the either cybersecree types of

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Speaker 1: solutions or data protection and also fraud prevention. So right now,

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Speaker 1: um a I can figure out whether um, you can't

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Speaker 1: be definitely in two places at once. So it's basically

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Speaker 1: where there it's AI analyzing the feelings of transactions are

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Speaker 1: crying each day, so um while the financial service industry

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Speaker 1: is and I published for the last ten years. So

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Speaker 1: what we're seeing the instruction innovation is that AI application

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Speaker 1: is a really expanding and a very quick level. So

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Speaker 1: you're they're using predictive analytics to really improve the accuracy

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Speaker 1: levels and there's a lot of data around this where um,

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Speaker 1: if you've ever been in a store where your credit

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Speaker 1: card is getting declined, it's a terrible experience and and

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Speaker 1: the retail stories don't want to lose you as a customer.

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Speaker 1: The banks don't want to lose you. But some of

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Speaker 1: the data around it's really shocking that UM over a

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Speaker 1: hundred and twenty billion dollars a year of transaction credit

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Speaker 1: card transaction UM is from false decline and over a

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Speaker 1: third of that customer stopped shopping at that retailer after

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Speaker 1: being falsely declined. So that's that's really shocking number. And

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Speaker 1: according to MasterCard data, over twenty percent of customers also

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Speaker 1: switch to their bank after experiencing some type of frauds.

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Speaker 1: So you're seeing companies like Fara ISAAC that has whether

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Speaker 1: it's credit you know, kind of score monitoring systems UM

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Speaker 1: services like Psycho scores, and you've got company like fly Serve.

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Speaker 1: They have solutions around this and they've been using AI

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Speaker 1: for probably the longest out of all the publicly traded

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Speaker 1: companies out there because they have so much data. But

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Speaker 1: we're we're seeing um um these companies continue to adopt

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Speaker 1: in and invest heavily an AI so so to really

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Speaker 1: improve the accuracy level. So I think I think that's

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Speaker 1: that's very important, I think, and I think that's very exciting.

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Speaker 1: All right, Lisa, thank you so much for joining us.

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Speaker 1: Fascinating stuff. Lisa Chai, senior research analysts at Robo Global

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Speaker 1: Technology overtaking and or disrupting, certainly the financial services industry

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Speaker 1: like never before. Just look at all the apps you

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Speaker 1: have on your iPhone. Thanks for listening to the Bloomberg

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Speaker 1: Markets podcast. You can subscribe and listen to interviews with

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Speaker 1: Apple Podcasts or whatever podcast platform you prefer. I'm Matt Miller.

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Speaker 1: I'm on Twitter at Matt Miller three. Pet On bal

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Speaker 1: Sweeney I'm on Twitter at pt Sweeney. Before the podcast,

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Speaker 1: you can always catch us worldwide at Bloomberg Radio