Economic Struggles in Modern Times: "It was the mere fact that they don't. Meaning, they were in between jobs or they weren't in the absolute career that they thought they would be in or, you know, no one thinks that they're gonna be a single mother."

Navigating Unexpected Financial Hardships: "Well, people need to be able to access capital without income because they need it when they're in between, or they need it when they have a reduction in income, or they need it when they have an increase in expenses that are not planned."

Economic Pressures on Households: "Today, the average household lends to another friend or family member over $3,000 a year."

Community Support in Financial Systems: "This friends and family, people stepping up for each other, we really got we gravitated towards it because of the traditional products had limited capacity, very limited capacity in the credit world when you think about the high balances of credit card, but also the stipulations from institutional investors as it relates to giving someone money who doesn't have a job."

Impact of Empathy in Crowdfunding: "in the absence of trust, humans were way more empathetic than you could ever imagine."

Building Trust in Peer-to-Peer Lending: "Solo stepped in and credited the lender what they would have made in return. That was a huge multiplier for a business."

Responsible Lending Practices: "You should only request what you need and what you can pay back, not what you can have."

Empowering Financial Support: "we have enabled over $300,000,000 funding for people who live paycheck to paycheck since now beginning."

Leadership Insights: "I think if if if I wake up tomorrow and think I know everything, I'm gonna we're gonna stop succeeding."

Political Accountability in Innovation: "But my message is that real innovation can address and fix our problems, but it takes regulators and political leaders that want to really fix those problems, not anything else. Nothing else matters, to be honest."