federal customs service. an electronic signature will be required. how to get it? we have already told the issue about the electronic signature, you will also find in our telegram channel the deposit is made to the cash desk of the customs authority of the region where you live in return. you will receive a guarantee certificate, without which you will not pass through the customs control point, you need to come to the local office with a regular passport and a foreigner. if you are not going to overtake the car yourself, then a warranty certificate. you still need to get it, otherwise the car may be detained at the border, now. e, eu legislation a in full is not impossible to use the personal account of an individual, that is, there are regulatory restrictions, in particular, use. it is the document for in hard copy, in accordance with this, an individual must make advance payments. then arrive at the customs post, which has the competence in accordance with order 4m of the ministry of finance to make the re

section electronic customs services and registers register of customs representatives.e name of the branch organization of the company name in the field, check the active ones and see if they know about such a broker at customs. if not, then this is a reason to be wary, the popularity of car orders abroad is growing and scammers began to advertise on the internet, supposedly helping with the delivery and customs clearance of cars. usually they extract an advance from the victims and fall through earth. questions remain. would you like to learn more about how best to communicate with the customs service. and what tools to use for this, write to us in telegram, we will ask your questions to experts and tell about everything in the next editions of the instructions. petrovich what am i to do with myself , one of the excesses for the whole world. such is fedor dobronravov, here the small claws are medium, and the ears are huge. this is not necessary elena yakovleva belarusian eared shepherd dog, he is not for sale. this woman is our entire arboretum. can close like this ter

section electronic customs services and registers register of customs representatives.nter the name of the branch organization of the company name in the field, check the active ones and see if they know about such a broker at customs. if not, then this is a reason to be wary, the popularity of ordering cars abroad is growing and scammers began to advertise on the internet, supposedly helping with delivery and rasta. mozhkoy machines usually they pull an advance from the victim and fall through the ground. you have questions and want to know more about how best to communicate with the customs service. and what tools to use for this, write to us in telegram, we will ask your questions to experts and tell about everything in the next editions of the instructions. we will tell you what this day is remembered for in history right now hello november 22, 1497, vasco da gama's flotilla rounded the cape of good hope and entered the indian ocean. it became the decisive moment journey of the brave portuguese navigator on the way to the goal that day he turned 28 years old. he car

customs service e-customs section services and registries a register of customs representatives, enterame of the company in the name of the branch organization field, tick the active ones and see if they know about such a broker at customs. if not, then this is a reason to be wary, the popularity of car orders abroad is growing and scammers began to advertise on the internet, supposedly helping with the delivery and customs clearance of cars. usually they extract an advance payment from the victims and fall through the ground. there are questions left. would you like to learn more about how best to communicate with the customs service. and what are the tools for that? use write to us in telegram, we will ask your questions to experts and tell about everything in the next editions of the instructions. philip trofimov russian online retailer ozon opens a full-fledged representative office in china , the idea is that against the background of the departure of many suppliers from russia, it is chinese companies that can meet demand in ozon, they say that the turnover of the border division

service to our customers given the substantial team we have in place.el good about that. >> you said a short pause. we're in q4 and i think there's questions about how well that goes and how we start 2023 what is short and what are the most important signals you're watching in that >> we don't have a specific timetable announced. i think as you implied, we'll kind of get through this quarter and into the next quarter and take a look at what's happening. as always, amazon takes the long view, builds with a very long-term mindset, far longer than most companies, so we will at the end of the day be focused on what is it our customers need us to build and the best path for us to help get them there. we will invest in many, many different projects, in aws and the broader company, and we will be, you know, unafraid to double down in areas where we think are really going to add value for customers. so i think the real signals are going to be where we see customers either, you know, using services or coming in asking us about things they need from us, in order

customers looking for high-performance computers. chang is in san francisco to join me with more. emily: joining us now as aws ceo adam solesky, conference off to a good start. thank you for joining us. you've got a pronounced economic downturn happening, layoffs happening across the board, including at amazon, but still record cyber monday sales. what is the main message you want customers to take away from reinvent this year? >> great to see you, emily. we are so excited to be here in las vegas at our 11th reinvent with over 50,000 customers and partners. 300,000 registered around the world for the virtual part of the event. i think probably the biggest message here at reinvent is that companies and all sorts of organizations continue to transform themselves using the cloud. that in particular times of economic uncertainty, that that's the best time to lean in because the cloud is the most efficient place to be running cost savings, at least 30% for enterprises who move close to the cloud. cloud is also the place to be flexible. yo

have decarbonizing homes and how clone power is supporting the customers if not from the customer themselves. >> great. please note for executive officer pollock we should consider a residential decarbonization as an item for future topic in 2023 calendar. for future agenda for remaining of this calendar year in december will be only for the mou approval between lafco and sfpuc. seeing no more names on the roster. open this item for comment. >> thank you. so if we have callers for item 11. if you have in the done so press story 3 to be added to the speaker's line. >> there are no callers. >> public comment is closed. do we have other business before us? >> this concludes our business for today. why we are adjourned. see you in december. for force >>> when i shoot chinatown, i shoot the architecture that people not just events, i shoot what's going on in daily life and everything changes. murals, graffiti, store opening. store closing. the bakery. i shoot anything and everything in chinatown. i shoot daily life. i'm a crazy animal. i'm shooting for fun.

yet some of you, yet none of you waive those fees for your customers in 2020 and it's not just your customers who have to make the tough choices because of decisions that you make it's also the workers you spend your billions in profits and exorbitant stock buybacks. you say you provide with good pay and benefits but how does it feel as a worker to be pressured to open those accounts were to deny services to someone who walks in the door who doesn't look like you, hardly a culture promoting the dignity of work. don't take it from me, listen to what the bank workers have said. we want to the customer base to know we are forming a union. we are tired of having our name dragged through the mud because of things that we are asked to have more control over but the company refuses to give us that control. other workers that they keep telling us we no longer have sales goals, we are giving expectations as far as loan buying accounts, not meeting these expectations result in disciplinary action. but the loyalty and responsibility i feel for my customer keeps me fighting every day. trust issues say we

for example, grocery stores use their customer loyalty programs to collect data one customers and consumersand what they buy, when i buy it, where they live, how much they spend. how they pay, and how those factors change overtime. and sometimes, they combine that data that they collect with additional data that is our bailable for purchase through data brokers. they then use that data to market and sell things to their own customers, through promotions, through advertisements, and pricing decisions. being two of the largest grocery store chains in the country, kroger and albertsons, when combined, would likely form one of the very largest grocery retail media networks. maybe i should direct this to you. should consumers be worried about encroachments on their privacy, and should advertisers be worried about higher prices? >> thank you, senator, for the question. when you look at retail media, our biggest competitor in that space is google, facebook, and walmart and amazon. we personalize the experience, so we are actually looking at what we are using and believing the customer would have a

make money or help the customer save money and everything is about that customer centricity and ongoing innovation we built 2,000 net new applications on our platform this year, and, therefore, we're in a wonderful position despite the macro because the customers need automation, they need digital transformation and they need things to work and flow smoothly so they can win all of the challenges in the macro simply lead to more and more business for companies like servicenow because we were built for these weather conditions again, point solutions, on premise, it's not going to cut it >> bill, you know, looking at some of the other names that printed last night, some of the reaction among the sell side is that there was a lot of software that got bought in advance of essentially a pull forward the way we talk about work from home and pcs and other things, and hardware does that dynamic, is it being replicated in enterprise software, too? >> carl, again, like what i see in enterprise software, it's really all about the customers and the challenges they are facing the macro that they are

i'm not sure whether you have data which shows how much customers enterprise customers like zoom withse different apps but head-to-head how have you been doing versus microsoft te teams? >> you know, we're always focused on providing happiness to zoom customers and habits and interfaces when they want to integrate with other products with other vendors and our relationship with microsoft is one of both partnership and competition and we continue to meet our customers where they are so that if they want to use a combination of platforms, we'll enable them to do so. >> excellent thank you so much again for coming on "mad money" direct from zoom-topia seems like it's doing well for you thank you so much. >> thanks so much for having me, jim. >> that's the cfo of zoom. "mad money" will be back in a moment >> announcer: ahead, on "mad money", order up this food slinger's earnings - yieldstreet presents: alternative investing with kal penn and older kal penn. - oh, the stock market is doing that fun thing again. - hey news from the future, you're going to live through that about 10 more tim

that your customers did not have. your decisions affect millions of peoples lives, whether they can get their pace checked, how much it will cost to use their hard earned money, what they can say for retirement, or their children's over -- or buy a house and make the rent payment. the profit from this transactions to the tune of hundreds of billions of dollars. with this taxpayer support you get, in the responsibility to serve your customers in the larger economy. i think that you know you don't always hold up your end of the bargain. all of your banks have promoted, for example have promoted the payment app that most of you own. you have pushed this on customers, and have not taken responsibility for the fraud that it is perpetrating. we all know about wells fargo's fake account scandal, we have learned that they were not alone in the never ending quest for short term profits, it turned out that other banks pressured employees to open false checking accounts. customers who trust you to look out for them ended up with

and expanding to clean power customers next year.arge sf aline with change in san francisco's building code that required developers to provide electric vehicle charge nothing new parking lots and garages. provides financial incentives and technical assistance to new and recent construction that is subject to the city's readiness ordinance. requires a 10% of parking space turn key ready per ev charger installation. we reported to you in the past about our energy efficiency for foodservices program. that is under development. this would offer energy efficiency to small, medium and large businesses in the foodservice sector. grocery stores. refrigerates warehouse. restaurants and food banks and shelters, for example. tell be paid for by rate payor fund by the california sfpuc. we are preparing an rfp for implementation and evaluation service for the program. targeting the launch of this program in mitt of 23 and last but in the least is the disadvantaged communities solar program a companion to the super green safer and we are targetin

for example grocery stores user customer loyalty programs to collected data on customers, on their consumersrint what they buy, when they bite what quantities they buy, where they live, how much they spend. how they pay and how those factors change over time. sometimes they combine that data they collect with t additional data that is available for purchase through data brokers. they use that data to market, to sell things to their own customers through promotions, through advertisements and pricing decisions. two of the largest grocery store chains in the country. kroger and albertsons when combined would likely form one of the largest grocery retail media networks. now maybe i should direct this to you mr. mcmullen. should consumers be worried about encroachments and should advertisers be worried about higher prices? >> think a center for the question. we look atsh retail media our biggest competitor in that space is google facebook, walmart and amazon. we personalize the experience so we are looking at what we are using and showing the customer that type of item. the cpg would never know

to support the things our customers want to do.d a significant amount of resources around the country. we are well-positioned right now to make sure we are being efficient with all the people we have hired and we will have all the capacity of people we need right now to get a lot of things done for our customers. we are going to take the pause but i still think we will be able to deliver. emily: on the last call, you said the growth rate of aws trailed off in q3. has that continued into q4? you mentioned financial services, crypto, mortgages -- are those still the weaker business lines and is anything bucking the trend? adam: as we sat on the last call, there is a mix of headwinds and tailwinds. we do see customers tightening their belts and getting efficient with their cloud space and frankly they should be doing that all the time. but i think more of them are doing it right now. at the same time, you see other customers leaning in because of the cost efficiencies and flexibility in their overall usage. so i think you see a mix of

and so we've had a very healthy customer base of 280,000 customers representing every sector you can imagine everything from the startups to the fortune 100 incumbents, every vertical that you can imagine. and so that customer base that is a very distributive customer base, i don't think that you see things that happen that are truly universally applicable across every vertical. and we see that playing out right now. as i said, financial services is showing a lot of strength. and so while our product is really applicable, it is a little bit of a bellwether of maybe the economic activity going on with consumer, but look, we still guided to a great, you know -- still guided to a growing number. not as fast as we would like, but we guided to nearly 20% growth year over year. so still good growth for a company of our size, $4 billion of annualized revenue, but not as much as we'd like to see. so the grand scheme of things, i'd say it is a minor change to the growth factor for the quarter. , this is a business cycle. when we're on the other side, our usage model plays pretty well and i th

poles should conduct customs together.d, the eu has its own problems, but the order is more than that. such an experimental option has already passed. official information is being prepared. this is what we say for customs if we let's go back to the topic of grain, there was another moment when the hetman was talking about. well, as soon as a normal business appeared, as soon as they started to work, a traditional ukrainian business called reshaly appeared, which began to offer a-a to farmers who has grain to to the average small farmers that we will sell your grain here. well, the schemes started, starting from the simple throw when they took and did not pay, and ending with the fact that some gray schemes began to somehow bypass with the help of customs officers, that is exactly what the conversation was about, will there be it is too bureaucratized. well, bureaucracy is in principle when it is controlled, when it is transparent , when it understands why it is being done. well, it's okay. i don't see it, i myself am a bu

is not processing customer withdrawals right now. i would think it should be because i believed to my knowledge that it could be and could make all americans 100% whole from this. and ftx u.s. derivatives as i said there, doesn't even allow leverage of any sort it was close to a spot trading platform and so to my knowledge, all american customers and all american regulated businesses and exchanges here are i think at least in terms of finances, are okay obviously i don't know what's happened with you know, make your own judgments about the enterprise value >> over the summer, you paid a $2.5 billion loan to genesis this was in august i was just trying to think through the dynamics of what might have been happening at your firm and was wondering where did the money come from. >> i presume that's alameda research >> yes that's the case. >> so, i don't have all of the details there, but my understanding is that, and i don't know exactly what's going on on genesis' side. i don't know now, but my understanding is i believe genesis tried t

(customer) nothing? (burke) nothing. (customer) nothing? (burke) nothing.er) hmm, that is really something. (burke) you get a whole lot of something with farmers policy perks. see ya. (kid) may i have a balloon, too? (burke) sure. your parents have maintained a farmers home policy for twelve consecutive months, right? ♪ we are farmers. bum-pa-dum, bum-bum-bum-bum ♪ i brought in ensure max protein with 30 grams of protein. those who tried me felt more energy in just two weeks. uhhhh... here, i'll take that. [woo hoo!] ensure max protein, with 30 grams of protein, one gram of sugar and nutrients for immune health. ensthis is a cork tree, witand we must preserve them. phone dial tone ominous music plays siren blares helicopter rotors whirring silence hi, sofia. it's tom. i've just arrived in town. could you send me your location and i'll come and find you? portugal was one of the most striking examples of how ecosystem management gone wrong can be so devastating. the restoration of trees is an incredibly complicated thing one of the greatest challenge that we'

that is what we help our customers do.— customers do. for a company like hssc, — customers do.hey _ customers do. for a company like hsbc, if they don't - customers do. for a company like hsbc, if they don't do . like hsbc, if they don't do that, they could face serious consequences, not least the fact that their users, their customers, their identities have been stolen, but also they could face fines, i assume. we had this story from australia yesterday, the health insurance company medibank, a huge with millions of details expose. this happens more often than not, doesn't it?— this happens more often than not, doesn't it? absolutely and that is really... _ not, doesn't it? absolutely and that is really... digital - that is really... digital identity has become border emission because the consequences are so huge. the consequences are so huge. the consequences on the good side and the bad side. the good side can help them drive business. in tough economic times, companies are looking for the most cost—effective way to interact with their customers. a lot of the time that means

>> so what we know about our customers, our customers buy our compliance solutions transaction monitoringthey want to ensure that their customers are not involved in criminal activity in one way or the other. that's basically the involvement we have with our customer. we cannot say whether they are in -- whether their balance sheet is okay and we would not do that check. similar to if you take a company like any other cloud provider that might be a bigger credit than ours they would not check the balance sheet of customers they assume the businesses are liquid when you see them backed by big names and have a lot of interest around them. >> understood. fort whole industry it's becoming clearer partial audits and proof of reserves are not enough to understand the balance sheet, not that that is your job, but are you pushing for more of your customers in the industry to publish more information and have more transparency >> i am definitely okay for that and i also think that that goes hand in happened with what we see with it. this is something that concerns me deep lu when i see that people

what do they spend to acquire a customer >> it varies based on the customer, right, not every customers different. depending on the size of the bets they make, the frequency of the bets they make, the skill of the customer, even the location and where they are in sort of the cohort, right? the customers that are -- >> there has to be an average. i agree with that, i'm a dumb ass and i'll make a lot of bad bets i'm not costing them in terms of what their advertising spend was or bet credits for things on my first few bets but they make money off me fast because i'm dumb but, what is the -- there has to be an average in there somewhere. >> again, it is hard to say on an average basis you're mixing in all of these different numbers across all of these different states and so, you know, they are spending significant hundreds of millions of dollars in sales marketing each quarter and they have over a million paying users at this point in time so you it think it is a costly endeavor, but there is a rather large lifetime value here, right? i mean, more and more people are starting to use thes

slower growth from paying customers.ian is d% and shares of paypal are falling as the company cuts guidance for the year paypal is adding touch to payment technology to the apps shares are down 7% this morning. stock three is coinbase. sales missing forecasts. shares are rallying as coinbase shares up 8% and then starbucks. customers are paying more for iced drinks. the company says u.s. traffic has nearly bounced back to pre-pandemic levels outside of the u.s. continue to weigh on international sales. the cfo will be on "squawk box" in the first on cnbc interview at 8:50 a.m. >>> let's talk more about starbucks with sara senatore >> thanks for having me. >> let's start where we ended. you see the cfo on "squawk box" later today. what is your rating for starbucks? >> we have a buy onstar starbucs we think they have a lot of opportunities going forward. specifically within the u.s., you see the store sales is the best measure of health and demand one of the best numbers we have seen this quarter. 11% in the u.s they are j

customers are beginning to expect more and more, particularly after the pandemic.ting. good luck with these and i will check in with you soon. before you can enjoy any of that in—flight food and entertainment, there is just one snag. it is the dreaded challenge of getting through the airport. you have got to get there, get through bag check and then through security. and for many people it can be a rather unpleasant experience so what are the world's biggest airports, the famous lax, los angeles international, $15 billion spent an hour by the lengthy upgrade to its facility so since i'm here i caught up with its big boss. a real pleasure having you on my show was that thanks for your time as i know you are a busy man. let's start with this huge unprecedented bounceback in demand, so much so that many airlines around the world so much so that many airlines around the world were caught off—guard and couldn't cope with the demand and am wondering how did lax perform and get to this period? we had very few cancellations. pretty much average, as we did before the pandem

customer funds are not sent anywhere. unlike financial decisions, we do not lend out customer funds. they're kept 100 percent safe in native units for the security of our customers. so well, f tech's not an isolated case, even in traditional asset management, we have seen defaults occur from time to time, which can be traced support, risk management. so we really advise investors and participants of the ecosystem to take a closer look at who they're interacting with and what investments they're making. well, as you just said, coin base has really sort of been a leader in terms of creating trust in the crypto space. but we'll, if we look at what this collapse has done for crypto in general, how do you think trust, encrypt currency can be improved overall? it's an important question. so, when this is lynn leaning into regulatory clarity simply are founded. and i do think regulation is a critical part of building trust with centralized intermediaries that are serving a fiduciary that are holding customer assets in any form,

four years ago we provided a solution for our customers. our simpler product allows customers to receive a loan of up to $1,000 in a matter of minutes in our mobile app. we streamline our services for small businesses. we now can process and fund a small business lending less than 15 minutes. i think storing vessel into new point of sale technologies, small business customers can more easily manage their money and serve their customers. , there are working to make homeownership a reality for more care americans across both rural communities and in our country cities. once this initiative we've launched his access home. a program designed to increase black ownership -- homeownership by engaging with the community. we continue to buy provide market services to local housing authorities, as we've done through the pandemic, and we are at leading fha lender. our commitment to serving the financial needs of americans truly includes all americans. we recognize that being a good corporate citizen goes beyond providing world-class financial services

is it bankruptcy court for ftx, the international side of the business what happens to those customerbility. it's not clear there's another backup option that's going to want to come in here based on what we're hearing from reports on their balance sheet and some of the questions that binance had. who would have a balance sheet big you have no now bail out ftx based on who we know and have the risk appetite at this point to want to buy the customer deposits on the cheap and inherit the liability that will come with it >> what do we know about any potential investigation? >> so there's reports of an sec investigations we've reached out. i'm told this is a potential doj issue. investors say there may be liability in terms of sam bankman freed and what he told his investors of the co-mingling of customer funds and ftx, and alameda his hedge fund he founded, saying there's issues there. probably going to bring that to court. and he's going to have a lot of legal headaches here we don't have any clarity on which regulator that is because there's multiple ones that oversee crypto. >> do we

and so i had already heard stories of wells fargo customers or potential customers who came in to wells fargo branches and wanted to withdraw money or cash checks and couldn't because the tellers didn't believe them or, you know, thought they were. so they were up to no good. and i had i had heard those stories first. and then when i saw these emails, i was like, oh, it's literally like being inside the heads of the people who made the decision to call the cops, you know, who made the decision to wonder why somebody had $70,000 in his bank account and say, you can't take that out even though it's your bank account. but this was this is actually somewhat okay in banking. there's a weird loophole in the 1964 civil rights act, which was very pretty specific about naming the institution that shall not discriminate. but banks aren't included in that list. can you talk about that loophole and and and how the banking industry essentially fought for the right to discriminate? yes, i, i don't know the specific history of who lobbied for industries well enough to describe it in detail. but what i

there is a panic that customers, people i panic that customers, people who have money or have assetssh forward with the withdrawal window at the same time. ~ ., , ., "~ time. within 24 hours, about $5 billion was — time. within 24 hours, about $5 billion was withdrawn. - time. within 24 hours, about ssj billion was withdrawn. attempts at her ballot failed and so on friday, the ceo of ftx announced they are filing for bankruptcy. sam bankman—fried has now stepped down as chief executive. before this meltdown, he had been something of a cult hero of the crypto scene. atjust 30 years old, he had built a net worth of around $15 billion. bloomberg is now estimating that has dropped to just $3. not 3 billion, at $3. his fall from grace marks a perilous moment for the crypto world. other exchanges have failed before but nothing on this scale. ftx is reportedly under investigation by several financial authorities. but that will be of limited satisfaction to its thousands of customers who are anxiously waiting to know where their money has gone. tom brada, bbc news. so, what's gone wrong? tec

nvidia has for the most part taken a large hit already to its customer base.unlike other markets, say for instance, the automotive market or industrial or iot, those end markets where we have not seen the inventory correction or the drop-off in demand we've seen a drop-off in demand for graphics the gpu business is going to be down 30% to 40% this year. it was down 50% the last two quarters number one, we've seen a fairly big drop off in demand in graphics and number two, the data center revenue is being impacted by china. they took a big charge so we're seeing that impact kind of flow through the model so we're expecting a modest china data center and we've seen that already or at least part of it there is uncertainty around the gaming market and the consumer demand, but we're in the midst of an upgrade cycle on the gaming side and the data center side >> raji, you're saying here that the pain appears to be priced in, right? how do you value nvidia? does it deserve the massive premium still even though it's come down that the bears take aim at >> well, the pa

(customer) hi? (burke) happy anniversary. (customer) for what? (burke) every year you're with us, you get fifty dollars toward your home deductible. it's a policy perk for being a farmers customer. (customer) do i have to do anything? (burke) nothing. (customer) nothing? (burke) nothing. (customer) nothing? (burke) nothing. (customer) hmm, that is really something. (burke) you get a whole lot of something with farmers policy perks. see ya. (kid) may i have a balloon, too? (burke) sure. your parents have maintained a farmers home policy for twelve consecutive months, right? ♪ we are farmers. bum-pa-dum, bum-bum-bum-bum ♪ >> i'm a pretty open minded guy. why don't you stop in the stop sometime? >> lgbtq representation in sitcoms is important because we are all in this together. you can't leave that out anymore. >> i would like to begin with a fact, a simple yet shocking fact. it is this. homosexuals lesbian's are trying to pervert our children. >> the history of lgbtq characters in sitcoms is similar to the history of lgbtq people in america. they

the problem is that it is necessary to fill out the customs declaration with our customs officers .lone, in my opinion, makes a cold sweat immediately appear on the forehead and you already think that somehow we are going to winter without a generator. i really agree with you about the fact that now this is one of the key lists of goods that are very necessary for ukrainians, and you rightly noted that according to the customs code, if you now import a generator for your own needs, and it will actually cost more than 500 euros , then it will be necessary from well, for example, if it 800 euros , yes, the amount is 300 euros, you need to pay 10% duty and then 20% vat from all of this, it is obvious that as of now, changes are needed, and i want to note that consultations are taking place with the cabinet of ministers within the framework of the committee, the issue has been raised, and we are communicating with by entrepreneurs. i know that i did not participate in a specific working group, but i know that a working group headed by my father was held with entrepreneurs. well, the key

but in general, the black customers have not been treated as well as the white customers.ndre: we are seeing this all over the country now. i write about it quite a bit. people are doing their own experiments. they are whitewashing their homes and pulling the books written by black authors and removing the clothes and the artwork and hair products, things like cocoa butter. and when appraiser comes, they will give a white stand-in. the appraiser will come in hundreds and thousands of dollars higher. this type of dam it that folks are doing our the fundamental tool of getting justice for consumers. i want to pivot a little bit too inside the bank. he spent a great bit of time talking about consumers. but there's a great set of stories around individual bankers and people working on the inside. one of the bridges between the consumer and the professional is the story between ricardo and jimmy. can you lay out some basics of the story and let me ask questions regarding it? emily: absolutely. it is an amazing story. i would like to start out by saying that what made it so comp

we hold the customers exchange one to one. want to withdraw it, they can withdraw it all at once. our financial statements are audited and anyone can see them. these are the kinds of things that can make us a trusted platform. these offshore, unregulated exchanges, it is unclear how their financial statements are orchestrated and what their relationships are with these third parties on what's happening with customer funds. hopefully this is a good reminder to everybody that having trusted companies in the space will help it grow in the long-term. emily: analysts are looking at this -- and if the deal goes through, it hasn't yet -- as a seismic shift in the competitive landscape. how are you thinking about that? does it mean you will need to evolve your strategy at all? brian: no. i don't think our strategy changes here. we try not to look too much of what competitors are doing and look at what our customers want. most interactions we have our cooperative and friendly. we are trying to grow the whole space 100 x and it's not a

the other side is is that a sticky customer? traditional bank for a higher interest rate, is that a person who's going to get a home loan or refinance their student loan on your platform? the question is are these sticky accounts on the sofi side, they get better economics because technically, they are bank a lot of these fintechs don't have access to the same rate boost as a sofi. robinhood has a securities lending side they're not going to be in as great of a position to benefit from the rate hike >> how do you value them, as traditional finance or technology companies they're all trying to cut costs. we talk about the big tech giants freezing or slowing hi hiring they're actually cutting jobs. robinhood, stripe this morning how does that help the balance sheets >> robinhood was 23% layoffs you had stripe this morning. the big thing is stock based compensation there's a lot of dilution in the startups that pent public that gave aquity to early employees. that's a big operating expense line item. while it's tough for employees

have to rely on always going after new customers.e sell 85% of revenues into the base that's what we will focus on europe is weaker and we note reasons, and the dollar is strong, and international business grew -- those changes are, in my mind, short to medium term and the fundamentals will carry us through >> i want to ask about what reaction you are seeing your small business customers have to the changes in targeted advertising. we saw apple roll out changes and google talked about changes and we have seen the affects through social media companies, and how can consumer and small businesses draw eyeballs to their websites and apps and products how are your customers adjusting for that how are you rolling out different products to help to solve the value gap that is left >> our customers may not be technically sophisticated, john, but they are quick to understand what is working in their business and for their customers, and they know they have so many choices out there, whether it's the marketplace platforms or social media platfo

go let's see, maybe we'll leave two customers.as if here, too, this customer supported us in a difficult moment, did not leave, gave a reserve, so let's see, let him come back. we are not opposed to considering all the proposals that we will receive delkom 40. an enterprise in gomel with polish capital. we have already talked about him in passing, in the project in the second series of sanctions for the people of our history, ilya zdorovchenko shared. he had to leave and the choice fell on a state-owned enterprise, and on gomselmash. he was taken immediately as a craftsman 40, it was this enterprise that was the customer and the allure brand, where tatyana worked from the first story and the sewing house, the volumes were large, one might even say, even a huge output. the output was always people working people wanted to earn money, paid on time, paid decent bills. today we were at this enterprise, and unfortunately , internally we got to not now there. well, such a planned unplanned vacation is a sanction affected, as i understan

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