In this podcast episode, Skylar and Ram delve into various topics revolving around the current banking climate and the bond markets. They discuss the issues impacting the banking sector, including the economic inverse situation where banks are facing financial difficulties due to increasing rates against their long commitments at lower rates. They explore the residential housing market, touching on why homeowners are staying put and the recent challenges faced by banks as well as opportunities for new lenders stepping into the fray. Included is also a discussion about the current credit market with a focus on mortgage bonds and legacy non-agency RMBS strategy. Furthermore, they share their insights on interest rates and the implications for the equity market, offering viewers detailed perspectives based on their professional experience and expertise.