10 Stocks Are Crashing — I Found 2 Huge Bargains

Some of the highest quality stocks in the market have been absolutely destroyed. We've got companies like Oracle that's fallen more than 60% from its highs. We've got companies like Intuit that's down more than 65% and IBM, well, they just suffered their worst single-day collapse in decades. And even companies like Intuitive Surgical and Booking Holdings, they've been dragged sharply lower. But I want you to remember that a falling stock is not automatically a cheap stock. Sometimes the market overreacts to a temporary problem, and sometimes, well, the business is genuinely deteriorating. And sometimes a stock can fall 30, 40, or even 50% and still be overpriced. So today I've taken 10 beaten-down stocks and completely reworked their valuations. I looked at their current growth rates, historical multiples, Wall Street forecast, and most importantly, what the market is now assuming through a discounted cash flow model. And I'm going to rank all 10 from the weakest opportunity to the strongest today. And in fact, while several of these stocks now offer meaningful upside, one of the biggest crashes may actually be justified. And meanwhile, two others could be among the largest valuation disconnects that I've seen this year. Now, I want to highlight what Warren Buffett said today. He described the current market perfectly. He said it's tough to find value and everybody is preferring gambling. And the quote, well, it captures the contradiction investors are facing. At the index level, valuations remain extremely elevated. But beneath the surface, individual stocks are experiencing brutal bear markets. We have here the Shiller P ratio. It sits around 42. It's close to the level reached during the dot-com bubble and significantly above almost every other period in market history. So buying the index here indiscriminately at these levels carries obvious valuation risk. But Buffett's approach has never been about buying or selling the entire market based on one ratio. It's about identifying exceptional businesses and making sure the price still leaves room for an acceptable return. And he explained that framework perfectly in the interview today. The key is not whether a company is exciting, whether it's connected to AI, or whether its stock price has recently fallen. The key is whether the company produces real cash and can reinvest that cash at high returns. So, let's take a listen. >> And and Charlie Munger, my my partner for many for decades, he's just he just pounded the idea that it it wasn't a good business just because it it was doing sexy things or whatever it might be, but if it wasn't earning real cash that it would that would or be expected to do it in a very short period of time and and just be able to distribute it if it wanted to. Do better yet if it could reemploy it as a business, it was even better the one that had had the ability to earn high returns, but you couldn't deploy the excess capital of those returns. >> That is the test I'm applying to every company today, not whether the share price looks low compared to where it once traded, but whether the underlying cash generation supports a genuinely attractive return from today's price. And you can see here the chart provides another important piece of context. The S&P 500 produced a total return of around 5%, but virtually all of the return came from earnings. I mean, earnings contributed around 7.4%, dividends another 0.4. Meanwhile, falling valuation multiples subtracted approximately 2.6. What this means is businesses are still producing earnings growth, but investors are becoming less willing to pay extreme valuations for it. And it's precisely why so many individual stocks have collapsed even while the broader index remains positive. Company can report growing revenue and growing earnings, but if the multiple contracts from 35 times earnings to 20 times earnings, well, the stock can still fall dramatically. And don't forget you've got the other risk, which is the current earnings estimates may prove too optimistic. Outside recessions, the historical difference between actual S&P 500 earnings and estimates from 12 months earlier, well, it's been relatively small. But during recessions, actual earnings have historically missed those early estimates by more than 20% of the median. So, when I calculate fair value today, I don't want a stock that only works if every optimistic estimate comes true. I want a valuation that can survive weaker growth, temporary margin pressure, and a difficult economy. And you've got the question surrounding AI, whether it's creating another bubble. I mean, the question itself very important because the market today is split between two completely different views. One side argues that AI is the most transformative technology of our time, but that too much money is now chasing too few viable businesses. Listen carefully to the distinction made here. The argument's not that AI will fail. Is that a revolutionary technology can still produce an enormous investment bubble. >> Intelligence is without doubt the most profound piece of innovation we will see over our over our lifetimes. I think it's going to make the internet look like a tea party, to be quite frank. But with all great ideas, the amount of capital flows needs to match, you know, what you know, the the great ideas that can be created. And you know, if you go back across history, you know, the creation of the railways was a great idea, but a huge amount of capital flows went in that. We had a huge railway bust. The creation of the internet, another fantastic idea. But again, in 2000, enormous amount of capital inflows, and then as a result, the technologies couldn't sustain it, an enormous bust. And what we're seeing here is an even better idea. AI is more profound than the railways and the internet and then you'd say the biotech boom. It is the most profound piece of innovation. And as a result, what's happening is that the amount of capital that's going in to these businesses does not match what can be uh you know the the the businesses that can be reasonably created as a result. No doubt that there is going to be an enormous number of hugely successfully uh hugely successful, hugely profound outcomes that come from the AI boom. But what we're seeing now is very, very obviously a tech AI bubble. >> And history supports that distinction. The railways transformed the economy, but railway investors still lost fortunes. The internet transformed the world, but many tech stocks collapsed. Even Amazon lost more than 90% during the dot-com crash while its revenues continued growing. A great technology does not automatically make every valuation sensible. But we've also got significant evidence that the current tech sell-off may have gone too far. We can see that open market insiders buying across tech companies has reached its highest level in the available history. Look, insiders can be wrong, of course, but executives generally buy their own shares because they believe the market's underestimating future value, not because they need greater exposure to their employer. And it's also worth pointing out that inflation's eased more than expected with headline inflation now down to 3.5% in June as petrol prices declined. That's reduced essentially the immediate risk of another Fed or Reserve rate increase and provided some support for longer duration growth stocks. And then when we look at the heat map so far today, buyers are looking selective. We've got Oracle Microsoft Apple Alphabet Amazon, and parts of health care which are rebounding. But semiconductor and hardware names, well, a lot of them remain fairly volatile. And we've also got Tom Lee who believes much of the selling in AI, memory, and semiconductor stocks represents a normal correction inside a long-term bull market. However, he also expects the broader market to experience another meaningful drawdown. >> You know, we believe there is a lot of mounting evidence that there should be a pre-sizable normal correction in this in the US markets later this year. Uh it's part of our view that this is a three-phase market, you know, that we can get to 7,700 on the S&P, decline 10 to 15%, which is a normal drawdown, and then rally above 8,000 by year-end uh because of the AI story remaining intact. >> So, we have an expensive overall market, a possible AI bubble, the risk of another correction, and yet individual stocks that have already fallen between 20 and 60%. That creates opportunity, but only where the numbers still work. Here's my ranking beginning with number 10. And at number 10, we've got IBM. Now, their shares collapsed around 25% yesterday, taking the stock now sitting around $216. Now, at first glance, looks like an extraordinary buying opportunity. The stock trading around 17 18 times forward earnings. The yield now sitting above 3%, and my base DCF model producing an intrinsic price of around $277. And at the current price, this implies around a 22% margin of safety. The reverse DCF even that is suggesting less than 1% annual long-term free cash flow growth. That's what the market's pricing in today. On these numbers alone, IBM would appear deeply undervalued. But, the reason behind this crash matters enormously. IBM essentially warned that corporate customers have abruptly shifted spending away from software and towards supply constrained AI infrastructure that includes servers, storage, and memory. Management also admitted they failed to keep pace with that shift, and they now expect Q2 revenue growth around 1% below previous market expectations with delayed large deals and pressure on its infrastructure business. is not simply investors panicking over a good quarter. It's a material change in where customers are allocating their technology budget. >> We saw IBM down 25% overnight. So, there is rational behavior with as soon as investors get one hint that there's a moat being disrupted or a change in profitability, there is very violent behavior in some of these stocks. So, how do we consider the rest of the software universe or whether sort of button changing button passing where investors are saying, I don't need to have that right now or the profitability is shifting from this company to this company because of the AI story. >> Now, having said that and after the earnings report, Wall Street are bullish. They predict 31% upside over the next year. Average price target $285. But, when we take a look at their growth rate, not great really sitting at an F. Forward revenue sits below 6%. Long-term EPS, that sits below 7% and the stock itself is not exceptionally cheap relative to its own history. The forward PE around 17 times is slightly above the 5-year average. The 3.1% yield remains below the 5-year 4.1. So, the DCF says IBM is cheap, but the additional valuation evidence is far less convincing. Look, the stock might eventually recover towards my $277 base valuation, but until we see whether the spending disruption is temporary or structural, IBM has the highest value trap risk in the group. And for consistency, I'll show you the blue tunnel which comes from Simply Safe Dividends. This is the first time in the last year where it enters the blue tunnel which highlights fair value intrinsic price. Before that, this was trading at a massive massive premium. Now, it's sitting firmly in the middle of the reasonable signal. Look at the last five. Look at the last 10 years. This company pretty much from around 2022 has been trading at a massive massive premium. Only now do we see it entering into the reasonable signal. So, my verdict on IBM is wait. The price has fallen dramatically, but the business thesis, well, that's also weakened. And number nine, we've got Qualcomm, and it's different because it remains slightly positive year-to-date, but it's fallen around 32% from its 52-week high at $260, trading around $178. The problem though with Qualcomm is that the current multiple remains noticeably above its 5-year average around 14 times. Look, the premium would be easier to justify if the company was producing strong near-term growth, but forward revenue is only around 4%, forward EBITDA is close to zero, and long-term EPS sits below 3%. Qualcomm has, in fact, faced several pressures. The premium smartphone market slowed, high memory prices have affected handset demand, and Apple's gradual move towards internally designed modems, well, it threatens a historically important revenue stream. Industry forecasts, as well, are suggesting that shipments of advanced smartphone chips could fall during 2026 because of memory constraints and high device costs. Bullish case is diversification. Qualcomm's expanding into automotive, PCs, edge AI, and data centers. It's also agreed to acquire AI software company Modular and attempt to build a more flexible software ecosystem capable of competing with Nvidia's CUDA advantage. And my DCF gives three outcomes. With no long-term free cash flow growth, fair value $187. 5% middle rate, fair value comes to $257. And at 10% growth, well, we can see $352. The base case here is suggesting around 44% upside, whereas Wall Street is suggesting a more moderate mid-20%. The current growth data though does not yet support the more optimistic scenario. So, Qualcomm, in my view, when we take a look at everything put together, it's a hold or on the watch list. It's not obviously expensive, but I need to see its non-handset business produce stronger growth before treating it as a high conviction bargain. And we can see when we look at the blue tunnel, well, actually, this one just over the last few months been trading at a premium. That's also exactly where we sit today. Look at the last 5 years, not only has there been times to buy this in an undervalued level, but the underlying fundamentals aren't really showing that long-term growth that we want to see and the consistency. And number eight, we've got DoorDash. Now, it's fallen around 16% year-to-date, but unlike IBM and Qualcomm, there's absolutely no shortage of growth. Forward revenue's around 26% EBITDA expected to exceed 36, and Wall Street expects long-term EPS above 40. And well, Wall Street, well, in terms of price target, $246. That implies around 30% at the base case level. Some more bullish analysts seeing it as high as 350. Now, in terms of the growth grade, well, they're getting A+. It explains why a stock can trade around 34 times forward non-GAAP earnings and still show a forward PG ratio below one. But overall, the valuation itself does remain demanding. It trades, as we can see here, more than double the sector median on several earnings measures. In terms of forward GAAP P, well, it's trading above 70. So, even after the decline in the company, the market's already pricing in substantial future expansion. Now, it previously fell after announcing plans to invest hundreds of millions of additional dollars into its 2026 growth strategy. And more recently, the company delivered strong demand and upbeat order value forecast, but rising fuel costs and its driver support program, they're adding near-term expense pressure. Now, my DCF illustrates the risk clearly. A 15% annual free cash flow growth, fair value pretty much $189. It's almost exactly where the company sits today. At 20%, well, we can see fair value rise to 254 at 25, $340. So, DoorDash offers attractive upside only if it can to exceptionally strong growth for many years. The reverse DCF, it also confirms the current share price already requires 15% annual cash flow growth. Yes, it's achievable, but it provides much less room for disappointment than most stocks in this entire ranking. So, for me, DoorDash, I'd probably say it's a cautious buy. The business is performing extremely well, but the valuation still demands continued execution. And number seven, we've got Oracle and is arguably the most controversial stock in the ranking. The shares are down around 34% year-to-date. We're talking about a company that's down more than 60% from their highs, yet its reported growth remains exceptional. And it also has one of the highest upsides implied from Wall Street's price target today. 90% estimated target $252, some as high as 400, but bear in mind the range is quite wide. Lower end sitting at 155. Now, growth overall, it gets a B+. We can see forward revenue sees above 30% for EBITDA sitting at 35, and long-term EPS growth expectations close to 28-29%. The stock also trades around 16 times forward earnings compared with a five-year average of near 20. So, on this basis, Oracle looks like one of the cheapest major AI infrastructure companies in the market. But this is also where free cash flow matters, and on that basis, I also want to show here given the disparity in the PE and the average, the company now sits in an undervaluation signal. This is the first time in at least the last 12 months. If we zoom out, in fact, to see this same position, you have to go all the way to mid-2022. Now, Oracle's AI infrastructure expansion requires extraordinary levels of capital expenditure. In fact, the company expects approximately 70 billion of net capital expenditure for fiscal 26 and plans to raise tens of billions through a combination of debt and equity. Its free cash flow deficit has expanded around 24 billion as we can see in 2026. And unlike Microsoft, Alphabet, and Amazon, Oracle does not have an equally large existing cash machine available to fund this expansion internally. Now, they've secured enormous contracts with companies including OpenAI and Meta. And if those data centers are complete on time and demand remains strong, the eventual cash generation could be enormous. But if construction costs rise, customer delay spending, or financing becomes more expensive, shareholders could face further debt and dilution. And you can see my low growth DCF produces a value of $121, slightly below today's price. Base case 10% we're talking 160, more optimistic 208. And Wall Street, as we said, very aggressive implying near 100% upside. Although I wouldn't rely on that target while free cash remains deeply negative. So, my verdict for Oracle, speculative buy. The upside could be considerable, but this is not a low-risk value stock. You're effectively betting that Oracle's enormous AI investment produces equally enormous future cash flows. And number six, we've got PepsiCo. And it may not look like a crashing tech stock, but around $135, it sits more than 20% below its 52-week high. In fact, this one is sitting around 52-week lows. And relative to their own history, the valuation's become genuinely interesting. We can see, in fact, it trades around 15 times forward earnings, 5-year average at 21. Yield's risen to 4.4 compared to the 5-year near three. Now, it's a substantial valuation reset for a globally diversified consumer staples company, but it has happened for a reason. Pepsi's North American food business has struggled as consumers are cutting back on expensive snacks. The company's also reduced price on brands such as Lay's and Doritos by as much as 15%. Yet, recent North American food sales still declined. And at the same time, GLP-1 weight loss drugs, healthier eating preferences, and greater demand for high protein and low sugar products, were they creating a genuine structural challenge for the traditional snack portfolio? High commodity, packaging, and logistic costs were they all adding further pressure? Now, with PepsiCo, this is not a high growth thesis. Forward revenue sits at 3.5% EBITDA growth projected 4% long-term EPS sitting at 5.2, and Wall Street themselves only see fairly moderate upside over the next year around 14% price target $156. And my DCF, well, we can see here solely produces a conservative value of $146. The historical multiples valuation $188. Dividend discount model $191. And bringing those together $175. We're talking about a 23% margin of safety today. Wall Street, as we saw there, more conservative $156. My verdict overall is buy for income and long-term value, but it's not my highest upside stock, and its consumer challenges are real, but the combination of a 4.4% yield and a historically low earnings multiple provides a much better entry point than investors have received for many years. At number five, we've got Lowe's, which is down around 12% year-to-date, and it also trades fairly close to its 52-week low of $203-$204. Reason straightforward, US housing market remains extremely slow. High interest rates, reduced home turnover, homeowners delaying large renovation projects, and lower income consumers are remaining cautious about discretionary spending. And they expect comparable sales to range between flat and 2% growth for the year, while higher transport and input costs continue to pressure the outlook. However, these issues appear cyclical rather than evidence that the underlying franchise has been permanently damaged. The pro customer remains relatively resilient, and plumbing, electrical, and essential repair categories, they continue supporting demand. Now, Wall Street, they expect around 27% upside over the next 12 months, and we can see the near-term growth. Well, it's modest forward revenue expected 4.7% forward EPS growth. That's expected around four, and long-term earnings per share around 9.2% where the company trades around 16 times forward earnings below the 5-year of 18. Yields sits around 2.4 above its 5-year norm, and we do get a reasonable signal. Although, this is sitting right towards the lower end of the fair value tunnel. Zoom out to the last 10 years. Last time we saw this in an undervalued level was right at the end of 20 23. Now, unlike several stocks in this episode, the multiple valuation method supports a similar conclusion. The DCF comes to 241, and the dividend model comes to 254. Bringing it all together, $252. Not too dissimilar from what we saw from Wall Street, and we note an 18% margin of safety. If we look solely at the reverse DCF, well, it indicates the current price requires only around 3.4% annual free cash flow growth. It's a relatively low hurdle for a company capable of eventually benefiting from lower rates and improving housing activity. So, my verdict for Lowe's is a buy. The recovery may take time, but Lowe's offers one of the more defensible risk-reward profiles in the entire group today. And number four, we've got Intuitive Surgical. Now, it's fallen around 33% year-to-date. It trades pretty much around 52-week lows. Yet, unlike IBM, its underlying operating performance remains very, very strong. And Wall Street also clearly like this. Average price target of $553 implies 43% upside. And if we look at the overall growth rate, well, they do get a C+. Forward revenue expected 17%. Forward EBITDA 18, pretty similar for the EBIT expectations. And long-term earnings per share, well, that sits above 50%. Worldwide demand for the Vinci Surgical systems and the procedures performed using those systems continue to expand. I mean, the company recently beat quarterly expectations, raised 2026 procedure growth outlook to around 13 1/2 to 15 1/2% and the main operating headwind is tariffs, which management they estimate could reduce revenue by around 1%. So, why is the stock falling so sharply? It comes down to valuation because even after the decline, Intuitive trades around 36 times forward non-GAAP earnings. That's pretty much around double what we see from the sector median. Their own 5-year, although that does sit higher at 59. So, the market's compressing Intuitive's premium, not pricing the company like an average medical device business. And my conservative 10% cash flow growth case gives a value around $354. That does sit around 7% below today's price. The 15% base case, well, we're talking 477. And 20% on the higher end, 641. Market implied growth rate today, 11.2%. Now, it's not a trivial hurdle, but it sits below Intuitive's current revenue, earnings, and procedure growth rates, where Wall Street, as we said, their average price target implies around mid-40% upside. So, for me, overall, ISRG, I would say is a buy. Not conventionally cheap, but this is a rare opportunity to buy an exceptional healthcare compounder at a substantially lower valuation than what investors have historically paid. And at number three, we've got Uber. This one's fallen around 12% this year and trades around $73. But beneath the weak share price performance, the operating business continues growing at an impressive rate and also has respectable upside from Wall Street seeing 42% price target, 100-150 at the upper end. Now, forward revenue expectations is 15%. Forward EBITDA, 28. Forward EBIT, sitting at 57. And long-term earnings per share expected to compound 28%. Uber's no longer simply a high-growth company promising future profitability. It's now producing meaningful free cash flow while its margins continue expanding. Now the stock trades around 24 times 2026 earnings, but based on current consensus estimates, the multiple falls down to 16 on 2027 numbers, 13 in 28, and around 11 on 2029. Forward PE is also 0.77. It's an attractive combination of growth and valuation. Although concerns are clear, investors continue debating whether autonomous vehicles will strengthen Uber's platform or eventually bypass it. The Middle East conflict has created a modest drag on bookings, and Uber's interest in acquiring Delivery Hero introduces possible integration, financing, and antitrust risk. However, their latest gross bookings forecast remains above expectations, and it continues expanding its robot taxi partnership rather than relying on a single autonomous provider. And my conservative DCF using 8% free cash flow annual growth, we can see a value of $125, 10% 141 at the higher end, 160. Wall Street, they were more conservative at 104, but I would say Uber's free cash flow has only recently inflected upwards. I treat the DCF range fairly cautiously, but even a significant haircut to this model leaves meaningful upside from $72. So my verdict is a buy. Of the two delivery platform stocks, I prefer Uber over DoorDash because the valuation hurdle is low, the platform is more diversified, and the present cash generation is stronger. And number two, we've got Intuit, and it's down around 57% year to date. This company at one point traded over $800, in fact, 814. It's the largest collapse in today's ranking, and it could also represent the largest mispricing. I mean, it trades around 11 times forward earnings. Five-year average above 31. Yields is at 1.7, five-year 0.7 is not an ordinary multiple compression. The market effectively removed interest entire premium valuation. The reasons AI, general purpose AI models can increasingly provide financial guidance, answer tax questions, and automate basic accounting tasks. Investors are questioning whether customers will continue paying premium prices for TurboTax and other Intuit services when AI assistants can perform more of those functions. And those concerns intensified when Intuit lowered its TurboTax revenue forecast, announced plans to eliminate around 17% of its workforce, and reported revenue slightly below expectations. Well, the shares fell another 14% following that update. But the bearish case has an important weakness. And that is that the broader company is still growing forward revenue. That sits at 14%. Forward EBITDA at 16, similar for the EBIT, and long-term earnings per share expectations at 15%. And Intuit, well, they actually raised their overall full year revenue forecast despite reducing the outlook specifically for TurboTax. The company's also integrating models from OpenAI and Anthropic across QuickBooks, TurboTax, and its wider financial ecosystem. So, the central question is whether AI destroys Intuit's moat or strengthens the platform by allowing Intuit to offer more personalized automation using decades of customer and financial data. Now, my DCF is intentionally conservative using only a 2% annual cash flow growth. The model produces a value of $456 at 4% rises to 517, at 6 to 586. And Wall Street, their average price target 474 implies close to 70% upside. Now, look, the model is helped by Intuit's very strong current cash flow base. So, Intuit at 456 as a guaranteed outcome, but the disconnect here is still extraordinary. The market is assigning Intuit a lower multiple than many slow-growing defensive businesses despite expected double-digit growth in earnings growth. So, my verdict, high risk, strong buy. AI disruption, a genuine threat, but at approximately 11 times forward earnings, the market appears to be pricing in far more deterioration than Intuit has actually reported. Now, at number one, we've got Booking Holdings, and it's down 16% year-to-date, trading around $179. And the decline, well, it's followed by a reduction in the company's annual revenue growth forecast as conflict in the Middle East disrupted travel routes and reduced room night growth. Now, the region represents a meaningful part of their global room nights, while the conflict also affected Europe to Asia travel patterns. But the underlying quarters remain strong. Gross bookings was up 15%, revenue increased 16%, and adjusted earnings exceeded expectations. It makes the sell-off look more like a temporary geopolitical shock than evidence of a deteriorating competitive position. And it's one Wall Street like expected 26% upside over the next year. High target just below $300. And growth, well, we can see it gets a B- overall. Forward revenue sitting at 11%, forward EBITDA sitting at 14, forward earnings per share, well, that's coming to 18%, long-term EPS at 16. And despite the growth, it trades around 16 times forward earnings. The 5-year average at 21. And the yield is also above its short historical average. Where we do get an undervaluation signal when we look at the blue tunnel. Zoom out to the last 5 and 10 years. There have been chances to buy this undervalued, but it's not something we see every single year. Now, my DCF assumptions are extremely conservative with zero long-term free cash flow growth. Booking is worth approximately $177, pretty much around today's price. At 2%, rises to 202. And at 4%, we can see it rises to 229. Now, my intrinsic value estimate of of 229 isn't too dissimilar from Wall Street. Both suggest around 30% upside. But what makes Booking my number one stock is not this got the highest theoretical upside. Intuit and Oracle, they may perhaps offer more. It ranks first because it has the best combination of strong current profitability, double-digit growth, historically discounted multiple, conservative DCF assumptions, and a sell-off primarily caused by an external disruption rather than a broken business model. So, my verdict, strong buy. It offers the best risk-adjusted opportunity of the 10 stocks we covered today. So, if I had to sum up these 10 stocks while we went individually and gave the verdict, I would say that Booking Holdings is probably the best risk-adjusted opportunity from the list today. I would then say that Intuit has probably the largest potential mispricing, and that Uber has the strongest combination of growth and valuation, while IBM is probably the stock most at risk of becoming a value trap. The most important lesson is that the collapsing stock price does not tell you whether something is cheap. Oracle and IBM have both experienced enormous declines, but the underlying risk have also increased. Booking and Lowe's are facing temporary external pressure. Intuit is facing potentially structural threat, but the valuation now assumes an extremely severe outcome. It's why every falling stock has to be analyzed differently. And as Buffett said, the goal is not to buy whatever appears exciting. It's to find a good business, buy it on the right terms, and ensure it can continue producing real cash over a long period. So, let me know your own thoughts in the comments below. I also want to make you aware I just released this week's latest article. We drop one as we say on a weekly basis covering severely undervalued stocks, as well as what's going on in the market. So, click below, you can sign up and read these straight away. But most importantly, have a great day. I'll see you all on the next one.