Been buying a lot of FICO stock on the pullback. Not your standard SaaS. Huge moat.

I know FICO is often misunderstood by the public. Many try to value it purely on the P/E ratio, and their eyes pop out of their skull looking at it from that perspective. It is near monopolistic in its ubiquitous use in the credit industry. FICO is one of the best companies in the world with a moat that is extremely robust and nearly impenetrable. Their data for credit going back decades and their incorporation of new systems and predictive features like FICO 10T make the value proposition to lenders unbelievable, as they can approve more loans without taking on more risk. FICO is the most trusted name in the credit game and on the Closing Settlement of a home, their fees are incredibly insignificant compared to everything else. The entire industry runs on FICO, and it is the benchmark that is universal between creditors and those seeking to re-finance. With interest rates going down in the near term, I see more real estate transactions happening this year, which should benefit FICO. FICO is also used nearly universally by creditors for auto loans, student loans, credit cards, etc. etc., which should also benefit from lower interest rates. I do not see any major lender trusting some random new AI tool to replace FICO, as FICO is universally trusted and is basically the language of the credit industry. Where would these new AI tools gather their data from exactly? Would any bank trust it? I certainly wouldn't as a consumer. How do you all feel about this pullback on FICO? The company continues to crush earnings and print money, plus their new FICO 10T appears to be getting adopted quickly in the industry. I think it's a good buying opportunity on a fantastic company, but let me know your thoughts.