What gives? A 70 P/E, $35 Billion market cap, lots of debt (due soon), not a lot of cash on hand, a core product losing relevance (SoFi and the federal government are moving away from FICO scores), high interest rates and inflation means less consumers buying homes and autos, so less scores ran. Commoditized AI means their fraud detection/ other analytics can be moved in-house or to public cloud. What am I missing? Is wall street falling for their rebranding as an AI company?