Alright, the new IanFV numbers for SYF just dropped today and the next-quarter distribution is tighter than I expected. Most scenarios cluster mid-to-upper $60S, central target three months out at $68.24, already below the $73.36 we're trading at. Narrow IQR, so nobody's wildly disagreeing. Downside stretches toward the $65 area, mostly mean-reversion on margins and this cross-asset factor decay dragging the curve. Upside barely pokes above target, maybe low $70S, only if some transient liquidity or a growth move kicks in, which honestly doesn't offset the structural drift. The real gap is sell-side sentiment sitting higher than the model puts it. No drama, just a compressed distribution tilted under current price