bonawyn, do you like sofi? >> yes, i do this merges well with the last conversation with de-fi and new fin tech alternatives. soed lending business is rather robust i can see a pathway to that. you couple that in with student loans and that forbearance essentially ending in a couple months, in january of 2022, if i remember correct lip, there's an up side here i think the stock has traded on the back of that i think there's more room to run, and i think this is exactly what these -- what we, as the younger generation are looking for in terms of financial alternatives >> if sipped, what is the one stock you would buy as a symbol of the future of finance, karen, what would you say >> wow, that is a really hard question i'm not sure it would be sofi. one point that is analyst makes that i think is a catalyst is the end of the -- the student loan -- student loans will grow a lot in the coming year versus the pause they've been in. that's a good catalyst i don't understand, though, this whole fin tech valuation, whe