You said 40 percent of users share a credit card within three weeks and retention hits 80 percent after sharing one piece of sensitive information. What does that signal to you?

Those are proxies for trust and we take them very seriously. Time to first credit card, time to first account password, time to first sensitive piece of data, these are the metrics that matter to us more than daily active users or any traditional engagement metric. The fact that 40 percent of users are sharing a credit card within three weeks, given that some proportion of that group probably churned before even reaching that point, means there is something there. And the 80 percent retention rate after sharing one piece of sensitive information is honestly crazy for a consumer technology. It tells us that once someone genuinely trusts the product, they are not leaving. The trust flywheel then just compounds.