carly zakin and danielle weisberg, thank you both for joining us.st, i want to ask a little bit about skimm-u, this financial literacy course. carly, why start this? what's it about? >> skimm-u is really about educating our audience. obviously, the pandemicas changed everything for all o us, but it's really changed everything for her. and when i say "her," we're really talking about the millennial woman. and this is a moment where we've all en that she's just been decimated by the pandemic and we'velready, pre-pandemic, she was already fighting a wage gap. she was already fighting to, sort of, have equal footing. and she was also the one that was hurt the most in the pandemic. and when we really thought about what is it that we want to lean into for our audience, it was thinking about what are the skills we wish we had from college, and our educational background that would allow us to get a leg up in our financial knowledge and how can we give that to our audience when she needs it most. >> sreenivasan: so, danielle, you're not approaching this fro