Garland on the Desk — meet the analyst

Okay so my VP just asked me to "take a quick look" at a model. It's 10:47pm. [pause] I'm Garland Witte. First-year analyst, bulge bracket, Midtown. UVA econ, top of my class, still not prepared for this. [chuckles] I keep a notes doc of trades I'd put on if I had real money. I do not yet have real money. Here's what you get at Garland on the Desk: what's actually moving the tape, plain-English explainers, banking life as it really is, and the occasional take I probably shouldn't say out loud. Not advice. Just the read.