people need help. markets is where we should innovate. we put $120 million towards building solutions to housing, healthcare, students loans. this builds rewards. the thing i m most excited about because we can take rent and boost your credit score for free. give people a way to travel the world for free. most importantly, a path to homeownership. i mean, that is going to be the thing that helps our generation get out of this inequality loop. if only a small handful of people have homeownership, we ll see bad inequality. if we can give every young person a way to own a home one day, that will change. if you re a higher end renter and you want points to travel charles: i have to say, ankur, i m we re very impressed. really amazing.