Mark and Jeff discuss the devastating California wildfires and the impact on people and real estate (including Jeff's inspection story during a prior wildfire). Other topics include Artificial Intelligence (AI) - will it take over the world in the next five years? Additionally, Mark makes a call on Fannie and Freddie stock prices. The nation's largest mortgage companies' stock prices are down significantly from mid September 2024 as they inversely follow the mortgage rate increases over that time. Lastly, Jeff and Mark touch on the Business Insider article on the ARCC call to action for appraisal and AMC fee disclosure.