Matt Davis

USA! 🏒

The engineering team and the marketing team at ai.com needed to talk more, it seems.

When people use the phrase “full stop”, I wish they’d follow through.

Which party is the anti-war, fiscal responsibility, pro-freedom, and transparent government crowd supposed to vote for now?

Call your Senator, Call your Congressman, Bankrupting America is NOT ok! KILL the BILL

@ImCollegeSoccer Sounds like you should have played her,

“I coached at a d3 women's team where we had 100 goal scorer in HS who couldn't see the field. We got eliminated 1st round of the tourney. We were a middle of the road team.” -D3 Head Coach #CSTruth

@mhigginsjr But how many executive team compensation packages are based on asset size? I’ve seen it over and over — can’t grow customers/members? Merge in another FI. Want a pay raise? Merge in another FI. Terrible at your job? Broker a deal with another FI to get a cushy job and pay raise.

The assumption that scaling up automatically leads to greater efficiency is misleading. Growth introduces complexity—whether through mergers or organic expansion. Mergers aren’t as simple as snapping together two Lego bricks; they often resemble fitting a Lego with a Lincoln Log, requiring adaptation and integration. Similarly, rapid organic growth adds layers of complexity, as consumer and business needs seldom fit into a rigid framework—customization, exceptions, and flexibility are inevitable. The four largest banks—JPMorgan Chase, Bank of America, Wells Fargo, and Citibank—have an average efficiency ratio of 56%. Among the 2,704 community banks with assets ranging from $100 million to $1 billion, 22% (602 banks) boast efficiency ratios better than 56%. Do these banks start their day focused on scaling up to improve efficiency? Likely not. Instead, they focus on staying relevant and serving the communities they’ve chosen to support.

@JorgeMVigil1 @ImCollegeSoccer Depends on the team, for sure. I watched a few D1 conference championships last year in which every player on both teams was over 6’, and virtually none of them could do the very basics with the ball at their feet. Boom the ball downfield, make a wish.

@CUWarrior @ImCollegeSoccer not my personal experience w men’s. U have a few players on every team for whom speed is their best quality. But you have another 10-12 that have other strengths - quality on the ball, defending, passing, creativity, dribbling. To say only height/speed matter is a bad take

Repeat after me….It’s College Soccer! “That’s why our national team sucks” No, that’s a whole separate argument that has nothing to do with College Soccer. 90% of college soccer programs are NOT intended to produce pro or national team athletes. “But look at Messi and the size of this national team” Repeat after me….It’s College Soccer! The Worlds best don’t care about College Soccer 😂. And the athletes that are playing pro soccer and on the national team that came from college soccer are from the same schools (the 10%) year in and year out. 10% is being generous too. When your livelihood is on the line, the paycheck that feeds your family, you don’t care about pretty soccer, building out of the back costing you cheap goals just so you can say you tried to play “proper soccer” while you’re standing at the unemployment line……you’re getting the best damn athletes you can get that can RUN! Winning Matters and You’re playing direct if you have to! You know why………. It’s College Soccer! #CSTruth

@JorgeMVigil1 @ImCollegeSoccer The College Soccer Truth is that the above mindset has created a virtually unwatchable product. Check these attendance numbers vs lacrosse: oceantooceanlacrosse.com/post/ncaa-men-…

@JorgeMVigil1 @ImCollegeSoccer Unfortunately, it’s the truth. That’s exactly what coaches are looking for. And why: (1) soccer fans are almost entirely uninterested in watching college soccer; (2) the US underachieves at the sport; and (3) parents would be smarter to put their soccer budgets in a 529 plan.

@Attackwatch1 @ImCollegeSoccer No.

@CUWarrior @ImCollegeSoccer Is there any serious national federation where a major portion of the youth pyramid is focused on an end result so wildly divergent from what will produce international results?

@ImCollegeSoccer And that’s why we suck at soccer.

Recruits, there are a lot of you that are very good players. You have athleticism, speed, very good technical and tactical ability but your size (short) will hurt you. Especially if it’s a position that height matters to them. A lot of D1 programs, especially Power 4, won’t bother with you if you’re short. Just look at their box scores/rosters. A lot of schools list the height of their players and positions they play. Do your research. #CSTruth

@denisewymore Curious about your thoughts here.

Indiana lost to Notre Dame by fewer points than Georgia. Indiana lost to Ohio State by fewer points than Tennessee. Indiana beat Michigan who beat Alabama who beat Georgia who beat Texas twice. Indiana might not have gone 11-1 in the SEC. IU probably goes 12-0.

@mhigginsjr Two things: (1) It’s sad that not-for-profit financial cooperatives conduct business in a manner that necessitates such legislation; and (2) What happens after the third NSF? Close the account? Ignore? Counseling?

"...legislation requires credit unions to give their customers five days to pay back declined transactions, instead of instantly charging them overdraft or nonsufficient funds fees. The legislation will also prevent credit unions from charging more than three such fees per month." americanbanker.com/creditunions/n…

@johnrich x.com/cuwarrior/stat…

If you have an Alexa in your house, you should take it outside and use it for target practice.

I didn’t believe this was true until I tried it.