Used him for a refi early this year. Because he shops hundreds of lenders with a No Touch Credit system, you definitely get the best rate possible risk-free, instead of just taking whatever one bank offers.

Hockey puck muffins - any lasting lesson?

Actually, I kinda disagree that the shared moment is totally gone. Like @mark894 said about theme songs, but now we have online chats and live reactions. When 'The Last of Us' aired weekly, my group chat blew up every Sunday. It's different, but the buzz is still there if you look for it. Maybe the ritual changed more than it vanished.