let's bring back in jill carlson. it was kind of extraordinary.think of robinhood as this disruptive tech company, and then we saw where the rubber meets the road when the ceo came out and did his tour. it's kind of like really zuckerberg where it didn't go that well. later on they had to explain all of these things about capital requirements, which most silicon valley apps never have to think about. what does that mean for fintech that suddenly in the world of growth, hyper growth, etc., they have to think about things like meeting capital requirements and all that stuff? jill: lord, i think it -- look, i think in many ways the system robinhood set up for itself actually worked as intended last week, where they were able to minimize over the course of years now encryption for their customers to get on board. yes, part of that involved offering every customer that you can get into a debate around that, but that was objective number one four robinhood, to be able to grant access for frictionless access to the stock market for a new cohort of people