2026 NFL Win Totals First Thoughts with Seth Payne

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29:08Back on NFL Daily. When you have a guest that does four hours of radio a day, you do feel like a little, a little worse about it. No, I don't do any work at all. My co-host is the one that does all the work. I'm just a big goofball. Yeah, one of the best in the business. Seth Payne is going to react to these over-under win totals blindly. So this is an exercise we did last year. I went back and checked it out. Some of our first reactions were pretty good on what seemed odd. I forget. And a lot of them were bad. My win total guessing was poor last year. So this is more just like less about like what we would do because I work for the NFL.

29:49well, I am not allowed to wager at all. And more just like, okay, this is who's going to be the favorites this year and some first thoughts. So we're getting these numbers from DraftKings. We're seeing them for the first time. And Eric, put up the AFC East we will start with. Obviously, there's two big favorites in this division and two lagging. So we got the Bills at 10.5 as the division favorites, the Patriots at 9.5, the Jets at 5.5, And actually the Dolphins expected to be worse than the Jets, four and a half in terms of their over under win total. I will get a little boring about out of division schedule in a second, but I will throw it to you, Seth, of just anything that stands out to you there.

30:34I mean, obviously the Patriots strength of schedule was a huge talking point all season long and Patriots fans are sick and tired of it. until I see AJ Brown and where he ends up, it's hard for me not to think that there's going to be a little bit of a fallback with a much tougher schedule this year. But I think that they're probably going to get the receiver they want. And I would go the over. I'd go the over on the Patriots. Yeah. So when it comes to the schedules, I didn't think any division had like a completely brutal schedule. Yeah. I looked at it like, first of all, the NFC North to me and the NFC West are the two best divisions.

31:14They do not play each other. So they sort of avoid the schedule of death. The hardest divisions, though, in terms of strength of schedule, and if you just think about the divisions, to me, were the AFC East, they would be in that mix. Out of division, they play the NFC North, which is really good, one to four. And then they play the AFC West, which obviously has the Chiefs and the Chargers and the Broncos. That's a pretty tough schedule. You do have the Jets and Dolphins, though, in the division, so that helps. The NFC West, I think, is a hard schedule just because they have to play each other.

31:42They also face the NFC East and West, AFC West. That's OK. And then the AFC West has to face the NFC West out of division. So to me, those are like three of the tougher divisions. The Dolphins being projected as potentially the worst team in the NFL with a four and a half win total, that checks out to me. I think the Jets are better on paper. And it would stand to suit that, okay, the Dolphins owner has never been shy about allegedly wanting to lose a lot of games in a year where they should. The Malik Willis thing is the only thing that throws everything into question. I don't understand other than they might just figure, okay, maybe we'll see and figure out whether Malik Willis could possibly be the guy, even though we're losing a bunch of games.

32:27but I and I don't think he's going to be like the Ryan Fitzpatrick that comes in and you know wins more games than they're supposed to when they're trying to tank it's rough his top receivers right now are Jalen Tolbert Greg Dolcich and like a third round rookie and it's not like the defense isn't bad but it's not stacked four and a half is might be tough for them to get to but that's about as low you don't almost ever see a three and a half there I think the Jets could be a little sneaky and to me it does make sense the Bills are the favorites but it really shows you how much schedule matters in these things.

32:59No one's going to remember this, but the Patriots over under last year was actually eight and a half and they won 14 games. It's only one game difference this year. And it's because last year and it was right. This they projected the schedule to be the easiest in the league. And this year it's one of the hardest in the league. And so it just goes from eight and a half to nine and a half. Let's go to the AFC North and see who's the favorite there. It's clearly going to be the Ravens or the Bengals. And it's the Ravens by a couple games. The Ravens are projected to win 11 and a half games. I don't know if anyone in the AFC will be above that.

33:35You have the Bengals two games back at nine and a half. Steelers at eight and a half. And the Browns at six and a half. What do you think about the Ravens as a pretty sizey favorite over the Bengals? It's hard to win. No matter how good you are, it's hard to win 12 games. And I always have to remind myself because I'm an old now that there's 17 games. But it's Lamar Jackson, if he's just simply healthy for half as much as he was last year, I think you see the best version of Lamar Jackson because his health was clearly affecting him last year. When I think about what do they have to worry about or what do they have to replace?

34:13I love Tyler Linderbaum. I thought that I really wanted the Texans to go after Tyler Linderbaum. But at the end of the day, it's a center, you know? And yes, he did a lot of good things in that offense and for that offense. But that's not the kind of thing that all of a sudden sends your team into disarray when you've got a quarterback like Lamar Jackson. I would actually take the, boy, 11 and a half is a lot. But I would still take the over on that. So all these numbers look a little inflated. So I look over at the schedule. And yes, I do have the AFC North for what it's worth as maybe the easiest out of division schedule.

34:46You play the two South divisions. I think the AFC South is solid, but it's not incredibly good. And I would say the NFC South on paper is probably the worst division in football. So they're kind of getting the bump up. I disagree on them versus Bengals as being a huge difference. To me, the Bengals are closer to the Ravens than they are to the Steelers, who just forevermore get projected as eight and a half. Like every year, it doesn't matter what their schedule is. They're eight and a half, and they're always like right at it. And so I'm a little surprised that they're closer to the Steelers on this than they are.

35:20You know, there's a little this happened in New Orleans for a long time after after Peyton left, which is people would keep talking about the Saints like Sean Peyton was still their coach. Like, oh, they always figure out a way to get it done. Like, what are you talking about? Sean Peyton's long gone. It's a different coach. Now, the Steelers did bring in a coach who does find a way to win a bunch of regular season games. So and then falter in the playoffs. So maybe it is more simple with the Steelers to just project that forward. Yeah. If I had to choose one, I would go over on the Steelers right now, assuming Rodgers back.

35:55I actually don't think it's a bad roster. You get the good schedule. And it is interesting to me. You see the Browns as a higher win total, two more than the Dolphins, one more than the Jets. I think that does reflect a pretty good schedule and roster outside a quarterback. But you're also, if you're picking the Browns, counting on either Shadur Sanders or Deshaun Watson combo to get you seven wins in an NFL season. That's a lot. Yeah, I don't, I think I told you, I can't remember if I said at the beginning of this or not, but that I, like a lot of people, I just really respect what Andrew Berry has done with the entire roster, except for, except for that big chunk at quarterback, which is kind of a big deal.

36:34When you, when you have a catastrophic contract at quarterback, it's hard to overcome that and their defense like I guess their defense is so impressive to me and I feel bad for their defensive players because the the statistics will never reflect how good they are so many times in games where you're watching the Browns and through midway through the third quarter it's tough it's competitive because the defense is playing as well as they are but you just the the dam's gonna break at some point yeah I actually think of the one of the Bengals games last year was exactly that situation. I'm trying to think of it.

37:10Maybe it was right at the end of the year. They actually won. I'm thinking of it different, where they just keep it so close forever, and then eventually they get kicked in. But new coordinator, it's the Browns. I don't know if the defense is going to be able to stay that good. They've won eight combined games the last two years. I would probably take the under just gut reaction. I don't know. How many games does Shadur Sanders end up starting this year, do you think? Like, he's going to start at some point. I think he'll start the majority of them. So I'd say like 10 or 11, if I have to guess.

37:42So they'll probably give everyone a shot. All right, let's go to the AFC South. Your division, I don't know if you've seen this yet, but your Texans are co-favorites. Texans, Jaguars at nine and a half. So the same win total as the Patriots, for instance, the same as the Bengals, but a little notch below. the teams like the Ravens and the Bills. And by the way, I do think it makes sense the Bills are favorites in the AFC East. Colts behind them at seven and a half, pretty low. And the Titans at six and a half, same as the Browns. You know, the Colts being put closer to the Titans than they are to the Texans than the Jaguars is interesting.

38:20What do you think? Are your Texans the actual favorites? I think the Texans are the favorite right now. I am very intrigued by what the Jaguars are doing. And the Jaguars have this way of kind of running these grand experiments where they, you know, they did it with Urban Meyer. I was all, I was cool with the Urban Meyer experiment, knowing that it was going to be either boom or bust. I didn't know it was going to be a bust to the degree it was, but then with James Gladstone, the GM now really, I mean, he's operating like he's the smartest guy in the universe, you know, is if he believes he's the smartest guy in the universe.

38:54And usually when you operate that way it either ends up glorious or it ends up just being an abysmal failure but what they did in the offseason this year was really I mean they just bet on everybody on the roster continuing to improve that and then in the draft I mean they operated in the draft like they're just smarter than everybody else and and I think they based a lot of that on you know analytics I don't know So I don't know how much of an edge you can gain with analytics now compared to if you were the team that was first adopting it, you know, 10 and 20 years ago. And I say 10 years in football, 20 years ago in baseball.

39:33I just don't think you can all of a sudden be that much smarter than all of these other really smart people who are using the analytics. So for them, it's got to be, all right, are we going to sustain what we did in the second half of last season? Really after the addition of Jacoby Myers, I think a lot of that is sustainable. I think I think Cohen is actually a really smart guy I've just seen Trevor Lawrence go through this before where man the offense clicks for him but then that next year when the defense has figured out how the offense has clicked for him it falls back down to earth a little bit so who's your favorite you were you you can't you can't do a show and you used to think oh yeah yeah no the Texans are the favorite uh and I based that largely on without even being overly optimistic about the improvements the offense can make.

40:18I think they are going to have a better rushing offense this year, which is going to make it easier for C.J. Stroud. And the Texans' defense could actually, they could be better than they were last year as long as they stay healthy, which is obviously always a big wild card. Co-favorites make sense to me. I think Colts fans should see that 7.5 and be like, huh, it's interesting how low consensus is on the Colts. But they've lost some people, and you're just unsure about Daniel Jones' health. I looked at their schedule overall as somewhere in the middle. They play the AFC North, which is tough out of division, but then the NFC East, and then you get the games in the division, which could be tougher.

40:54I saw a tweet from you, Seth, during the last week where you did a pronunciation. Can you say this for us? Fabechi Wee Woo. Okay. Yeah. You would think it was NYU or something, but no, it's Fabechi Wee Woo. out of Oklahoma. Fabecchi Weewoo, part of, you know, just a bunch of investments on line play. Are you buying? Are you buying what they've done with the line play? I would say on both sides of the ball. Yeah, they the theme of the offseason for the Texans was to be more physical on offense. You know, David Montgomery is a physical back that can win in short yardage, can break tackles, do all those things.

41:42And on the offensive line, if you look at some of the acquisitions they made with their veteran players, Braden Smith and Wyatt Teller are both more physical run blockers than the guys they're replacing. They re-signed Ed Ingram at right guard, not as good in pass protection as he is as a run blocker. He's a very physical, aggressive run blocker. They draft Keelan Rutledge, who's a very physical guy. Wee Woo, likewise with his scouting report. and it's really been all about, all right, are we going to actually run the football? Are we going to, A, have a respectable rushing attack in general? Because they've been one of the worst rushing attacks in the league every year that CJ Stroud's been there.

42:21And then can we use that to set up play action, et cetera, et cetera, or just keep the chains moving? I think that they, I like that they stuck to the same strategy. With draft picks, as it is with every single draft pick ever, we just have to wait and see if they work out. I do want to give my, I haven't given many like over under, like what stands out. The Texans feels a little low, nine and a half. I mean, it feels like the right number, but I feel like I'm going to be high on them. You're telling me the Texans only need to win 10 games. I am still believing in CJ Stroud. Jacksonville is a little more up in the air, but I actually do think Houston and Jacksonville are probably a little closer to the top of the AFC than they are just, you know, nine, you know, well, will they be able to repeat it?

43:06And so I kind of like both of those, but especially I like Houston over. Yeah, Jacksonville, I think the pass rush, people were hoping to bolster the pass rush there, and they didn't necessarily. But I think that that offense combined with Cohen, I think has the potential to really sustain what they worked on last year. I would take the over on both of those teams. And with the Texans, it's hard to just lean on defense that much, but they retained pretty much every starter. and then they improved with adding the safety from Philadelphia, Blankenship. So they actually now have zero holes in the secondary compared to last year where it was a revolving door at the safety position opposite of Kalen Bullock.

43:50So that's where I do think realistically, on paper at least right now, they look like they could be a better defense than last year. Yeah, I think the Titans aren't going to be pushovers, and I think that number reflects that. Let's go to the AFC West, where the Chiefs have just been favorites, projected to win 11.5 year after year. This year it's 10.5, but it is interesting, and this is why I wanted to do this exercise. It is just interesting to see, without knowing Mahomes' status, that immediately they're still put in as co-favorites, the Chargers at 10.5, both ahead of the Broncos, who are at nine and a half, and then the Raiders pulling up the rear at five and a half.

44:33So it's a lot of faith in a system just rebounding. And that feels, it's weird, but it feels right to me because there's a reason they won 12 to 13 games every single season, and Mahomes is coming off of the injury, but they lost so many one-score games last year. They were a very unlucky team. They really profiled more as like a 10-win type of team last year. who was a little unlucky. And so I don't mind them being co-favorites, but it's an interesting spot to be put in. I think the biggest thing about the Chiefs for me is you look at the last few years now, they haven't been nearly the same as what they were offensively at their peak, but they were buoyed by that incredibly opportunistic defense.

45:17And I don't know if the improvements and the additions they made on defense are enough to get them back to where they were defensively. and it's a lot of those one score games from two years ago that came with you know opportunistic sacks strip sacks interceptions all of those things and the Chiefs defense was good last year they were solid but they just weren't enough to kind of offset some of the the mediocrity on offense and I don't know if you just regain that as easily as like okay now all of a sudden we're just going to rely on Pat Mahomes to to pull us out of this in in the last two minutes of a game So I think they're still obviously a very good football team.

45:56But with Mahomes injury right now, and I know he's looking good and he's going to be out there practicing and everything. I would take the under on the Chiefs. I think a lot of people are looking at the Chiefs and judging them by the logo on their helmet more so than the reality of the situation. Yes. And as Patrick Claiborne likes to point out, these numbers are more about just getting everyone to spend and lose their money. They're not a reflection of reality, but they are about as good of a predictive thing that we have. Yeah, the futures by far are the ones where Vegas is just telling you, come on in, sucker.

46:28Yeah, we know how you feel about this. It's been a relief that the NFL doesn't let me. But if I had to choose one out of this first reaction out of this group to go, I probably would take the suckers bet, which would be over Denver 9.5. I don't really see any reason that they should not be either co-favorites or favorites in this division. I think they're a little better than the other nine and a half win teams. And there is a tough schedule. They got to play each other and they got to play the NFC West. And so that's why this division, they were all a little artificially deflated because they all have pretty tough schedules.

47:03Let's go to the NFC, the NFC East, which I kind of had as a medium division and a medium schedule. The Eagles favorites as always. What's interesting standing out to me here is that the two teams, the Giants and Commanders projected to tie for last place have a pretty high uh win total seven and a half each and then you have the Cowboys behind them at nine and a half so I do think you're getting a little bit of Cowboys hype that they've had a good offseason and good draft but it's basically the same order we've we've gotten most years last year of course the commanders I think going into the year was like over under nine and a half or ten and a half was one of the only uh best bets that I had that was actually right was there under, but they're much more reasonable here at seven and a half.

47:51What of those four teams stands out to you the most? I think, I guess the Eagles just because, you know, again, going back to what the market thinks and what they say, I think the perception on the Eagles, and given that I know and I understand that the Eagles follow a pattern of just being very disappointing and then blowing everybody out of the water the next day. but I think I would just I got to go with the under on the Eagles right now. Woo. Sight unseen I'd probably generally go over when they're at 10.5. Cowboys 9.5 I feel good about. I was hoping it would be at 8.5 though and then I would feel even better but I'm going to be high on the Cowboys.

48:32But I do find it interesting the Giants and the Commanders are both significantly ahead of the bottom rungs of the NFL here in terms of expectations at 7.5 there. So I will be choosing one of their unders. I'll have to think about which one it is. John Harbaugh, I have a lot of faith in his ability to take what has been an underperforming team and just get what you should be getting out of that team. Does the product look... What should you be getting? Maybe like seven and ten. Yeah, right, right. Just not an abysmal failure. I mean, there's so much about just being a respectable team in the NFL that has to do with running a tight ship.

49:13and just basically making sure the trains run on time, that you can improve a situation just by having a guy that knows what he's doing at the helm. Yeah, this is tough because I feel like high on almost all of them. I might have to be low on the commanders this year. All right, NFC North. There's going to be some team that's very disappointing in the NFC North. There was a scenario where they could have had one of the tougher schedules because they all have to play each other. But out of division, you play the NFC South. I think that's a win. And you play the AFC East, which has the Dolphins and the Jets.

49:48And to me, you're just looking for like, what's a game where we're heavy favorites? That's a real big edge. And so you'll have a fair share of them. And that's why they're all high numbers. The entire division predicted to be at or better than 500. The Packers and the Lions first with 10 and a half wins. The Bears are not the favorites. They're at nine and a half. And then the Vikings at eight and a half. man. You know what? This is where I just I love the Lions and I love their culture and I love Dan Campbell and it makes me want to say okay between the Lions and the Packers that the Lions are going to be the one that goes over ten and a half but do they have like have they done enough to address some of the losses that they had to take?

50:31They're at that point in the evolution of their franchise where they've drafted well they have all these guys but now you lose you lose on the offensive line You lose David Montgomery, and I know he had taken a backseat to Jameer Gibbs. Oh, this pains me. This whole division, yeah, it's going to give me a headache because they're building in the kind of natural fallback from the Bears. They're at 9.5. That's a fairly low number, has them at third, but they had a lot of close wins. Like, I get it. I honestly probably would, the best thing I would feel, because I don't think there's much of a gap between 1 and 4, is riding with Kyler and going over Vikings 8.5.

51:07After they came through to hit their over last year by winning the last five games, they somehow got a winning record. I think they can do it again. I love that Brian Flores defense. Let's go to the NFC South where I'm most curious who they have in second. Okay, the answer is nobody or everybody. Because this is one going into it, I'm like, I wonder who second is. And there could be division odds that I'm not seeing of who's favored to win the division. So that spells it out a little bit. the Buccaneers at eight and a half in terms of their win total. And then the saints, Panthers and Falcons all at seven and a half.

51:41To me, this is the, the one that stands out to me of any, any over unders I've seen throughout. I feel the most confident in a couple in this division, but I don't want to give it away right now. I want Seth Payne to tell me what his favorite pick in this division would be over or under. Oh, I want to say, Oh, I believe in you, Tyler Shuck. I believe in the New Orleans Saints. Damn it. Seven and a half. I think that makes sense. I think they had a really sensible offseason. They have a lot of boom or bust picks. I've started to watch Shuck. I'm starting to watch some of the second-year quarterbacks.

52:21He's an impressive player. I agree. I would have them in second if I had to choose. My two that I was talking about, immediate, just quick reactions without thinking too hard, that I think are maybe my two favorite of the entire exercise so far is over Buccaneers 8.5. I just think it's a good roster. They are just a better team than that. I still am buying a world, and it's not the most likely world, but a world where they win 12 or 13 games. So at 8.5, I think they're the class of this division. I think they've got the best roster by far, and you can see the upside with the quarterback in that division.

52:58yeah I would uh yeah okay I feel a lot more comfortable about that I saw I thought I was picking who was going to be uh second in the division but um yeah I don't I don't feel good about the over on any of those second place guys no if I had to pick one it would be the Saints for sure which are a little more boomer boss the Panthers I don't know but the Falcons under is one of my favorites that I've seen so far I to me I think the Falcons have a real chance to be closer to the bottom of the NFL than winning the division. I know there's routes where that could be wrong. Stefanski's coached up the Browns at certain points, but I haven't really understood their offseason.

53:40It's a big change in the front office, and the coach, do the players fit the coach? Are they really that talented anyways? I actually thought they were really well coached on defense last year. Yes, they kept Jeff Ulbrich, their coordinator, but in general, that looks like a 6-11, 5-12 type of team to me. You know, that defense is kind of not constructed to withstand the trend in the league right now of teams running the ball more. I mean, it's just they're so undersized and they're impressive the way they run around and everything. And they're fast. But there's just there's certain weaknesses that are going to show up time and time again until you start to just have a little bit more of a balanced philosophy on defense.

54:17And one of the reasons that all those numbers were pretty low. Yes, they get to play each other in division. So that's a positive. but they play the two Norths. That's a pretty tough out of division schedule. So they're going to be like almost that entire division, maybe except for a couple of Buccaneers games are going to be underdogs against the entire NFC North, like every game. And then you also have to deal with Lamar and Joe Burrow and the AFC North. Like it's a tough out of division schedule to make, to make that leap for them. All right, let's wrap up with the NFC West, the best division I think in football, because there's three teams in this division that I can imagine winning the Superbowl.

54:52The Rams are the favorites. a game ahead of the 49ers and Seahawks. They have a 10 and a half win total. The 49ers and Seahawks do. The Rams are at 11 and a half. So they are tied for the highest in the NFL. Just off the top of my head, that was with the Ravens. One thing I'm noticing, there were not a lot of teams projected to win 11, you know, 11 and a half. It's a lot more concentrated in the middle. The Cardinals now tie the Dolphins in dead last with only four and a half win total. I believe those were the only two teams that were at four and a half. What do you think about the Rams as the favorites over the defending champs?

55:30If I look at those three teams, between the Rams, the 49ers, and the Seahawks. So the Seahawks, I still need to see what it looks like with Brian Fleury as the offensive coordinator. And I know he's got the long background with the 49ers. People respect him a bunch and everything. But there's something about the way Clint Kubiak operated that offense and got what he did out of Sam Darnold and Jackson Smith and Jigba that I don't know if you can just say, oh, yeah, new guy coming in. He'll do exactly the same thing. The 49ers, they just every year, they started to feel kind of like, you remember with the San Antonio Spurs where you would just keep saying every year, well, they're going to get old.

56:07No, no, this is the year they get old. And they just they took forever. They just wouldn't die. That's what the 49ers feel like. But this might be the year they actually get old. so between those between those two teams and then the rams i think i just i gotta go with the quarterback and matt stafford even though last the texans opened with the rams last year and at that point you know for the weeks leading up to that game matt stafford was still getting in his science trailer to to get treatment because nobody knew if he was even going to play and then he reeled off that uh that performance that he did so i'm gonna i'm gonna go with the rams yeah of that group that the things that stand out to me the most probably just again I think it's sometimes good to go with your first gut reaction is yeah I'll take I'll take the defending champions maybe most complete roster in the NFL at 10 and a half and take the over like I'm not gonna think about it too hard and then probably the other one that stands out is I would probably take the Cardinals over at four and a half because I I do think it's an okay I know they don't have a quarterback and it's a brutal schedule to have to be stuck in this division and that's why the number is so low you You also play the AFC West out of division, NFC East.

57:16That's a relatively hard out of division combo. But I just don't think they're that bad a roster. Like, I think if you put them in the AFC South, like they could win seven, eight, eight games or something. And so you just got to get to five. I think they could do that. Yeah, I think you're 100 % right about the roster. I think it's not as cataclysmically bad as you would think. And then Jeremiah Love, if he just, if he really is that guy that can kind of unlock everybody else, that there's a potential they could do something with him this year. It is crazy. The schedule matters so much because the 49ers were coming off a total disaster season in 2023, six wins.

57:56And they were still projected last year to win 10 and a half games, which people thought was kind of crazy. And you know what? They won 12. And then here they are with a much harder schedule. Last year was a little easier for that division. And they're coming off a great season. and I think they're a Super Bowl contender and it's just 10 and a half again. And it's these numbers that just, they stay around the same because Kyle Shanahan, like McVay, and maybe Liam Cohen could join them. And this is what I think answers your James Gladstone point from like 30 minutes ago. It's like, if the coach is good enough, he can make some crazy strategies look really smart.

58:29Like the 49ers have had some crazy drafts. Kyle Shanahan makes them look smart. The Les Snead and the Rams have had a great front office, but trading their first round pick every year for, you know, almost every year for 10 years is pretty crazy. And they've made that work, I think, because they have a great coach. Can Liam Cohen be that guy? We'll see. I don't know. But Shanahan and McVay, to me, are the two guys until proven otherwise. Well, and that defense was just so banged up last year for a long stretch of time that you'd imagine that at the very least getting that, whatever, you know, whatever they can do with that defense.

59:00There's more upside there. See, I told you this was going to go fast. It's May. We're just chewing the fat and having fun. And it wasn't that fast at all, Seth. It was just fun to honk with you. Thank you. Oh, yeah. No, thanks for having me on, man. I know I enjoy this. I get so excited when you invite me on to NFL Daily. I really am. I genuinely do. I was upset that your other two co-hosts weren't here, but that's cool. They didn't need to feel any of you this year. You know, it is the offseason for everyone, so we're trying to spread around the off days. But, you know, our favorites are coming up this week.

59:35Jordan Rodrigue joining me in the studio on Tuesday. Patrick Claiborne also going to be in the studio. We're going to send out a prompt for mailbag questions. So everyone that's listening right now, check out those prompts and send in some good questions for later in the week. But yes, most importantly, check out Seth Payne on YouTube. Seth Payne Show and then Payne and Pendercast. Thank you to Seth. We'll see you on Tuesday.

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