I only take notes on one sentence: Modular blockchains, in simple terms, change the end-user experience by—what you see are still the steps of transferring/transactions, but behind the scenes, execution and data are separated, making fees, congestion, and transaction speed more unstable but also more controllable; so recently, when someone in the group mentioned "stablecoin regulation + reserve audits + de-pegging rumors," I just get lazier to argue, and instead go check if the chain is overcrowded, if cross-chain bridges are starting to shake, or if liquidation thresholds might be broken by a wave of slippage—don't get carried away by emotions.