我的理解是 CRCL 靠短期債券的利息掙錢，this set up the ceiling of their

profit. 找個時間好好研究一下，看看我理解的對不對。我今天隻是進了 AZO， 沒有對科技股下手，investor sentiment is way too high for these high fliers. I will stay sideline for sometime.