rebecca brown and d.h. bay are back.ve grown your company to 3 million people worldwide in just four years? >> yes. >> incredible. you have a lot to tell us. choose one thing we can learn from that you did right or did wrong. >> one thing we've learned is you have to go to market very quickly and integrate after. if you've taken a data-driven approach, you learn a lot from your customers and you learn from your mistakes. ultimately those mistakes help you build a product that have market fit. the second advice that we've learned from building a consumer finance business. we're at money line trying to build the bank of the future. we're trying to build amazon prime for finance. and in doing that, customer sustainability and customer valley is incredibly important. if you think about running a business, you have to have advocates. if you don't have advocates of your business, you're just spending ton of money on marketing. >> you mean advocates of customers. >> right. the ones who tell their mom, their sister to download t