Good friend In mortgage industry said other day many he knows never been through a downturn yet some bought nice toys or houses living it up. A downturn will hit them hard. He went through one knows ups down. Guys been so busy for last few years says ready to enjoy the slower times the money is saved. I was telling him like construction we have excessive busy and really slow times plan accordingly but seen new hires act like work is busy 24/7 then slows down wondering how they’re gonna pay their new fancy car.I wonder if the desk pilots are like the construction dorks? Some of the "newer" ones haven't learned the cycle, and live large...until they can't. I think it may happen to them as well. White collar and blue collar, we all learn from experience. Well, some may have shorter memories as well, no matter the gig.