Good day, and welcome to MoneyLion Inc.'s Q2 2022 earnings call. Joining us today are Dee Choubey, CEO and co-founder, Rick Correia, Chief Financial Officer, and Sean Horgan, the company's Head of Investor Relations. At this time, all participants are on a listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note that this conference is being recorded. Before we go further, I'd like to turn the conference over to Mr. Horgan as he reads the company's safe harbor statement within the meaning of the Private Securities Litigation Reform Act of 1995 that provides important cautions regarding forward-looking statements. Sean, please go ahead. Good morning, everyone, and thank you for joining us today to discuss MoneyLion's results for the Q2 ended June 30, 2022. Before we begin, I'd like to remind you that forward-looking statements made in this commentary are subject to our safe harbor statement found in our SEC filings and in our press releases. Today's call is also accompanied by an earnings presentation that you can view on our webcast and on our website at investors.moneylion.com. With that, I'll turn the call over to Dee. Thank you, Sean. Good morning, and welcome everyone to our Q2 earnings presentation. Q2 was another record quarter for MoneyLion as we continue to drive efficient growth and further diversify our revenue mix. Last quarter we said we are executing the most exciting strategy in fintech, and that strategy continues to see accelerating traction. MoneyLion is a purpose-driven company. We are rewiring the financial system so that every consumer can access the right content, offers, and advice to achieve their financial goals. While geopolitical and economic conditions continue to weigh on consumers and businesses alike, we remain focused on execution and delivering continued revenue growth and margin improvement. The impact that recessionary environments have on MoneyLion's business varies. Let me take a moment to walk you through how these dynamics impact both our consumer and enterprise businesses. Starting with our consumer business, generally speaking, inflationary environments drive demand for our credit products. High prices, at the pump or otherwise, leave our customers in need of more cash to cover everyday expenses. Customers with higher credit quality are also interacting with safe haven products like our Instacash Advance service more often than they would under normal economic conditions. We're not seeing any meaningful changes in our customers' ability to pay for our first-party credit products, as our customer base continues to have stable cash flows year over year. Like the majority of American households, our customers oscillate between times of excess and times of need, sometimes multiple times a year, regardless of what happens in the stock market, making our products must-haves for any economic environment. On the enterprise side, our target addressable audience is even broader and one that spans across the credit spectrum. We benefit from the credit cohorts who do best in more challenging economic environments. With over 400 lending, insurance, credit card, mortgage, and other product partners, our overall business is more diversified than ever. That said, our enterprise revenue is driven by digital ad spend from our product partners who allocate marketing dollars to acquire customers more efficiently across the Internet. A decrease in marketing spend by our enterprise partners could potentially impact our revenues. In short, we're not immune to all potential market headwinds, but we are well diversified to handle various economic environments. In some areas, we're actually seeing heightened demand for our products. We also continue to allocate resources to our highest growth areas and into innovations that will drive margin expansion as well as customer value. We remain confident in our ability to execute, and our Q2 results are a reflection of that. We're driven by a rallying cry to achieve adjusted EBITDA breakeven exiting 2022, while protecting and managing our robust balance sheet. In the Q2, we reported record quarterly adjusted revenue, making the sixth consecutive quarter of triple-digit growth and another quarter of adjusted EBITDA margin improvement. Adjusted revenue in Q2 increased 131% year-over-year, an acceleration from Q1 and above the high end of our guidance. We also further diversified our revenue mix, ending the quarter with 41% enterprise revenues, up from 31% in Q1. The key theme behind our strategy and execution is the symbiotic relationship between our consumer and our enterprise ecosystems. We ended the Q2 with 4.9 million total customers, adding nearly 1 million customers compared to Q1. Importantly, we did this while reducing our marketing spend from $11.4 million in Q1 to $9.5 million in Q2. We continue to deliver strong unit economics in Q2. Our CAC decreased again to $9 from $16 in Q1, while our ARPU increased to $76 from $74 in Q1. We expect to further diversify our revenue mix and drive closer to profitability for the remainder of 2022. Strength across both our enterprise and consumer businesses drove the results in the Q2, but the benefits of our two-sided ecosystem and distinctive content strategy are just beginning to surface. As we lean into this momentum, we believe MoneyLion has never been better positioned to provide value for an expanding segment of American consumers. We continue to innovate and execute on our strategy to be the go-to money app. Our new initiatives are helping and engaging our customers. During the Q2, we launched the MoneyLion Creator Network, a place for influencers and creators to broaden their visibility and earn income while they create money content. This promotes engaging content that empowers MoneyLion customers to take control of their personal finances. The gas giveaway, powered by our sponsors at 23XI, helps customers each week pay for gas if they win the giveaway. This social campaign is just one of many examples of how MoneyLion is creating a positive culture around money, and our customers appreciate it. More recently, we launched peer-to-peer functionality in the MoneyLion app. Peer-to-peer adds an important capability to MoneyLion's product suite. The proven network effect and social elements of peer-to-peer systems drive organic customer acquisition. We're excited to see the impact of this launch on our platform over time. If you haven't opened the MoneyLion app in a while, you might be surprised by what you find when you log in. Original content like Bougie on a Budget is a great example of the benefits of owning a studio and an in-house creator network. Our creators span the arts, sports, lifestyle, and music, generating content for a broad audience. This is just the beginning. We're generating a consistent pipeline of new money-adjacent content that drives engagement and expands the potential reach of the MoneyLion app across segments. Original content also gives our enterprise clients more reasons to partner with MoneyLion. Creators like this and many more are making an impact on our customers' behavior. MoneyLion customers are spending more time on our app, consuming helpful and entertaining content that is personalized specifically for them. To illustrate, our day zero engagement rate increased over five times from Q3 2021 to Q2 of this year. Over the same period, ARPU increased over 10% to $76. Engagement is just one ingredient to our broader ARPU expansion recipe, and we're seeing great progress to date. We continue to add record new customers in the quarter while reducing our customer acquisition cost for the quarter as well. This continues to be a key differentiator for MoneyLion, and we expect to build on this advantage. Over 10.4 million total products were consumed by the end of the Q2, compared to 9 million by the end of the Q1. Our growing suite of first and third-party products drives platform benefits and is inherently set up for high cross-sell rates. Total originations were $439 million in Q2, up 8% quarter-over-quarter, representing continued resiliency of our core credit and advance products. As a reminder, our team has almost 10 years of experience now managing through different economic conditions, and we've seen consistent performance with our customer base. Key product design elements, such as the high velocity and low duration nature of Instacash, gives us the ability to modulate dollars at risk in near real time. Our provision as a percentage of originations in the Q2 was 5.4%, which is well within our target range. Given the current environment, it is important to note that we have control over levers that allow us to be nimble when conditions change. Our enterprise business is a powerful matching and recommendation engine that provides customers with instant financial offers embedded wherever they may be browsing on the internet. With our embedded APIs, marketplace technology, and content creation as a service, we are powering the next generation of technology used to match consumers with the right personalized offer wherever they are. Our enterprise value proposition includes a massive network of channel and product partners. As a result, we're able to offer more product options to a larger audience. We now have over 1,000 enterprise partners. This is an important milestone for our enterprise business and a testament to our expanding market opportunity. We ended the Q2 with 578 channel partners, up from 556 in Q1. This represents a large top of the funnel for our platform. As a result, our potential to gain market share increases with each new channel partner that we bring on. Our product partners increased to 433 in the Q2, up from 424 in Q1. This opens up more monetization opportunities as we expand into new product asset classes. Our unique and powerful business model can be simply summarized by our large top of the funnel. With over 27 million consumer inquiries in Q2, we have a large addressable consumer base to acquire and monetize. Our unique data advantage. Approximately 28 million user profiles have been generated across our platform to date. This data allows us to improve the level of personalization we provide to our customers as we enhance our content and product recommendations. Of course, our extensive suite of products. With 1,000+ enterprise partners, the number of product options we provide our customers is unmatched by many of our monoline peers. We believe this leads to more customers getting matched with the right product, which in turn increases monetization across our platform. With that, I'd like to pass it over to our CFO, Rick Correia, for a financial update. Thanks, Dee. Good morning to everyone. I look forward to sharing details about our record financial performance and unit economics driven by our key metrics that Dee presented. As we're going through the financials, please note that unless otherwise stated, I will be referring to adjusted results and all quarter period references refer to the Q2 of 2022 versus the Q2 of 2021. Our GAAP consolidated financial statements and non-GAAP reconciliations are available in today's earnings release and our 10-Q filing. As mentioned last quarter, we have realigned our financials to better reflect our consumer and enterprise businesses and KPIs. Let's take a deeper look at these two businesses in terms of their respective revenue streams. Our business model has produced a broad range of highly relevant products, allowing us to help our consumer and enterprise customers in every cycle, which is complemented by our diverse revenue profile. Our consumer revenue includes our highly successful Instacash and Credit Builder Plus fee-based revenue. These products represent the bulk of the consumer business and have approximately 80%-90% recurring revenue. This is driven by having a returning customer base and cohort revenue retention trends as shown on slide 17 of our presentation. Our RoarMoney bank account is a critical driver for extending customer lifetime value while generating interchange and cardholder fees. Finally, MoneyLion Investing and MoneyLion Crypto generate revenue share on crypto transactions and a monthly per-account fee on investment accounts. Our enterprise business revenue includes affiliate fees. If you recall, this is our fastest-growing revenue stream in the last couple of quarters and is included in the enterprise business as part of the marketplace offering. We accelerated our marketplace strategy, and importantly, the marketplace is where a significant majority of our affiliate fees are now being generated. MoneyLion also earns revenue from SaaS contracts for providing infrastructure to our enterprise accounts for connecting product partners to channel partners. Additionally, given our deep understanding of the customers' interests and transactions, we are able to offer our customers targeted content and offers that generate advertising fees. Lastly, our media division, which was established through our acquisition of Malka Media, generates revenue from providing content production and management, and creator and influencer management services to creators, influencers, and corporate clients, an important benefit for generating enterprise revenue. We also realize synergies by providing low-cost content and customer acquisition in our consumer business. As we forecasted last quarter, our revenue mix is continuing to shift towards the enterprise business and is expected to become half of our overall revenue mix. This creates both revenue diversification and, as Dee mentioned, significant customer acquisition and engagement synergies for the consumer business. This mix reflects both our success in rewiring the financial system to benefit our customers. This mix also reflects the strength of our business model with even more powerful unit economics, particularly as we realize profit margin synergies in the enterprise business. Our strong unit economics are once again evident this quarter in our ARPU, which increased to $76, CAC, which decreased to $9, our sub-six-month payback period, and another record quarter of new customer adds. These metrics are even more impressive against a rising CAC backdrop for many other consumer finance businesses. This outcome is the result of a vast top-of-funnel, high customer conversion rates, and importantly, continued cross-sell of our first-party and marketplace offerings. Looking ahead, our enterprise business presents additional revenue diversification and synergies that further distinguish MoneyLion's customer acquisition strategy and de-risks our growth plan as we continue along our path to profitability. In addition to consistently acquiring customers with a sub-6-month payback period, MoneyLion forms a lasting customer relationship. As you can see from our historical customer revenue cohorts that demonstrate the power of MoneyLion's platform and our ability to generate recurring revenue and extend lifetime customer value. Similar to the consumer business, the enterprise business enjoys meaningful recurring revenue, cementing MoneyLion's robust business model with over 80% recurring revenue across the franchise. What these cohorts tell us is that our customer value proposition is highly compelling, and we are growing efficiently. That gives us considerable confidence as we march towards another 100% year-over-year revenue growth in 2022, while exiting the year at our break-even EBITDA target. As a result of investing in our highest growth areas, we generated record top-line revenue levels and continue to also rapidly realize operating leverage from the platform. Expenses as a percentage of revenue improved to 122% in Q2 from 137% in Q1. Our Q2 EBITDA loss was within guidance and keeps us on track to continue EBITDA efficiency in Q3 and meet our target to exit 2022 with break-even EBITDA. Importantly, our strong performance resulted in exiting the quarter with $217 million in cash, providing us with adequate cash runway through profitability. We expect to be operating cash flow positive for the second half of this year. Before diving deeper into our Q2 financials, we want to provide transparency on a $4.6 million non-cash adjustment to our full year 2021 reported net loss and a $4 million non-cash adjustment to our Q1 2022 reported net loss that was disclosed earlier today in an 8-K and in restatements of our full year 2021 and Q1 2022 financials. As a result of our continuous improvement of our control environment, we, in consultation with our advisors, identified an error in the classification and related accounting treatment of certain consideration issuable in restricted shares pursuant to the make-whole provision in connection with our acquisition of Malka Media. That make-whole was originally treated as equity, but should have been treated as a liability, with changes in fair value assessed each quarter. In summary, this is a non-cash adjustment and is isolated to the technical accounting treatment of certain consideration for our acquisition of Malka Media. This has no impact to our 2021 or 2022 operating performance, our adjusted EBITDA, our cash position, or our 2022 guidance. Looking at our record Q2 performance, adjusted revenue for the quarter grew 131% year-over-year to $84 million. Another record quarter for us in our sixth consecutive quarter with 100% year-over-year growth. We expect to continue our remarkable triple-digit year-over-year growth trend with a Q3 guidance of $85 million-$90 million of revenue, representing 102%-114% year-over-year growth. Off the back of our full year 2021 adjusted revenue of $165 million, our last twelve months of adjusted revenue is nearly $250 million, representing about a 50% increase. Given our strong momentum, we are increasing our adjusted revenue full year guidance from $325 million-$335 million upwards to $330 million-$340 million, which is a 103% increase over 2021 at the midpoint of our guidance. In Q2 2022, we generated $48 million of adjusted gross profit, which is an increase of 116% over our Q2 2021 adjusted gross profit of $22 million, and represents a gross profit growth acceleration over Q1 2022. The Q2 2022 adjusted gross profit was realized at a lower gross profit margin of 57% versus 61% in Q1 2022, and is lower quarter-over-quarter, given the revenue mix shift towards the enterprise business that has a slightly lower gross margin profile versus the consumer business. We remain highly confident in the medium-term margin profile of the combined businesses to revert to low-to-mid 60s% as we unlock near-term synergies in the enterprise business, and as historical investments in our data and artificial intelligence driven technology platform fuel profitable growth and margin expansion. In the interim, we are setting our Q3 2022 gross profit margin guidance to 55%-60%, which continues to be exceptional versus peers, although below our historical levels. Our adjusted gross profit for the last twelve months is $151 million, representing a 45% increase over full year 2021. That increase gives us confidence to forecast $182 million-$204 million of 2022 full year gross profit, representing a lower gross profit margin range of 55%-60% versus our original guidance of 60%-65%. We expect margins over the medium term to revert back to the low to mid-60s as we realize synergies, scale, and continue our SaaS expansion in the enterprise business. Now, taking a deeper look at our quarterly guidance. In Q2, we guided to $78 million-$83 million of adjusted revenue, and we generated $84 million. This represents a 131% growth versus our guidance of 114%-128%. We are targeting $85 million-$90 million of adjusted revenue in Q3 2022, representing 102%-114% year-over-year growth. As mentioned, we expect reversion back to our historic adjusted gross profit margin over the medium term. In the near term, as we realize acquisition related integration synergies, we are guiding to 55%-60% adjusted gross profit margin. Our Q2 adjusted EBITDA continues to keep us on track to target exiting 2022 EBITDA breakeven, and we expect Q3 2022 to realize another step down in quarterly EBITDA losses in the range of $10 million-$15 million, which is a 33% quarter-over-quarter improvement at the midpoint and an 8 percentage point margin improvement compared to Q2. Looking at our full year guidance. As we stated, our business is built to win in any economic cycle, and we continue to invest resources in our highest growth areas. As a result, we are raising our full year 2022 guidance for adjusted revenue to $330 million-$340 million. As mentioned, gross profit margin is transitioning back towards the low- to mid-60s% over the medium term. However, for full year 2022, we expect full year 2022 gross profit margin to still be a strong 55%-60%. Given the margin compression, EBITDA loss will be $55 million-$65 million, which is an increase to our original guidance of a $45 million-$50 million loss. Overall, the profile of the business remains incredibly strong. Our full year guidance represents 103% year-over-year revenue growth at the midpoint of our guidance, 11% EBITDA improvement, and a strong 23 percentage point margin improvement. Importantly, we are reaffirming being operating cash flow positive in the second half of 2022 and exiting 2022 EBITDA breakeven. In summary, we are proving that MoneyLion is the most exciting story in finance and represents a unique strategic positioning given the highly synergistic consumer and enterprise businesses. With consistent strong unit economics, all led by a proven management team. With that, I will turn it back over to Dee for closing remarks. Thanks, Rick. Despite the volatility of the markets, we remain focused on consistent execution. Last quarter, we said we were focused on diversifying our revenue mix, driving operating leverage, and maintaining best-in-class unit economics while delivering efficient revenue and customer growth. In Q2, we made progress in all of those goals. Our Q2 adjusted revenue results came in ahead of our expectations. We raised our full-year revenue guidance and reaffirmed our adjusted EBITDA breakeven target exiting 2022. We continue to maintain a strong balance sheet while burning less cash, and we're confident we have adequate runway through profitability. We look forward to the road ahead as we continue to build the go-to destination for all things money. Now, we'll pass it back to the operator to open up the Q&A session. Thank you very much. Ladies and gentlemen, the floor is now open for questions. If you would like to ask a question, please press star one on your telephone keypad at this time. A confirmation tone will indicate your line is in the question queue. You may press star two if you would like to remove your question from the queue. For participants using speaker equipment, it may be necessary to pick up your handset before pressing the star keys. In the interest of time and to allow everyone to ask questions, we do ask that you please limit yourself to one question and one follow-up, and you may re-queue if you do have additional questions. Again, that is star one if you would like to register a question at this time. The first question today is coming from George Sutton of Craig-Hallum. Please go ahead. Thank you. Congratulations on the growth and the incredible metrics. I wanted to ask about the enterprise business. You mentioned the ad sensitivity of that, part of your business. We're obviously seeing incredible lending strength, and I think some of your partners are showing that strength. What are the other areas of strength we're seeing? We're seeing an overall advertising market that's struggling. You're clearly not seeing that. I'm curious which of these areas are showing particular strength? Hey, George. Thanks for the question. Look, I think on the consumer side of the business, we're clearly seeing through the linked accounts a slight reduction in non-discretionary spending. We're seeing that through the data that we get through the big banks. Clearly, you know, the consumer, ultimately, whether it's a consumer business or enterprise business, the American consumer uses the embedded finance products or they use your direct-to-consumer products, right? We are seeing a little bit of slowdown in non-discretionary spending. That said, the strength of the consumer remains really strong, and that gives us a lot of confidence that whether it's one side of the marketplace or the other, that there's demand for financial products, and that's consistent across our network. You know, one of the interesting things that we have is given the 1,000-plus partners, when there's softness in, say, the super prime or the prime segments of the markets, those consumers usually tend to seek, you know, what historically were emerging prime or near-prime products. The diversity of the partners that we have on our network oftentimes create opportunities for some of them to actually, you know, really expand and take market share as well. A lot of the, you know, issues that we may see from time to time, given the volatility, is hedged by the inherent, you know, kind of diversification of partners that we have. Now, over time, we've said that really as we think of the synergies coming back into play here, a lot of the shared services and the acquisitions that we're making are being combined. You know, we're spending a lot of time this quarter and next quarter on merging the sales operations, focusing on really a holistic enterprise sales delivery mechanism. As we do that, you know, one of the really interesting things about our platform is we can now deliver data as a service, content as a service, and advertising as a service across the client base. That really gives us confidence that the margin profile comes back to where we expect it to be or where we have said that it will be in the past. I'll pause there, but we're seeing strength across the network there. One of the things you mentioned I found very interesting is that day zero engagement was up 5x. Having gone through that day zero myself, I'm curious what's been added or why would it be that significant? I certainly appreciate the importance of that early ability to bring in the customer with a lot of interest. Yeah. Yeah. George, so look, we've said this in the past, but we are building something that doesn't exist in the market today. We're really innovating on the form factor of how American consumers get educated about financial inflection points, life hacks, money moments, money wins. This idea of influencers, creators, every user sharing a money moment is really, you know, when we say we're challenging how Americans interact with financial products, you know, that is what a bank would not want. That's what a bank wouldn't do, right? If you look at our content strategy, the thousands of creators across the arts, across sports, across lifestyle, across music, they are now seeking to come on to MoneyLion as a content partner in creating content that they're otherwise doing anyway across the Internet, and they're bringing it onto our platform. That creates a significant growth loop. It allows new users to download MoneyLion or come onto our platform first just to explore what the ecosystem is all about. Over time, that allows us an opportunity really to nurture that user into using our first-party products and where appropriate, you know, really engaging in, you know, that sort of that interaction where Every financial product that they may ever need in life is being presented to them in a contextualized and personalized manner. Good stuff. Thanks, guys. Thank you. The next question is coming from Josh Siegler of Cantor Fitzgerald. Please go ahead. Yeah. Good morning. Thanks for taking my question. I was wondering if we could dive a little deeper into your prepared remarks, specifically around CAC and ARPU. Given the sequential improvements in both metrics, can you help provide us with some additional color on how your broader strategy is allowing for best-in-class unit economics? Thank you. Josh, you're a little muddled on the. You know, in terms of if you think about our business, it's been built for scale. I think that we're fortunate in that, you know, we're able to be greedy both on growth and profitability. I'll tell you, it wasn't popular in our formative years, you know, but we invested in infrastructure, and we're seeing that operating leverage. In particular, you know, as Dee talked about, you know, we are able to reach our customers in a different way. When we talk about having that walled garden, it's about us being able to connect with our customers at the appropriate moment through a combination of our content providers, influencers. In addition to that, being able to connect with our enterprise partners to be able to help those partners be able to kinda monetize their customers, and then us be able to look at that kinda second and third, you know, derivative product that we're able to offer them as well. As a result of that, what we're seeing is high conversion and low CAC at record levels for us. Great. Thank you. Given the uncertain macro environment we seem to be headed in, has customer retention remained healthy, and are there any specific products that are seeing the stickiest engagement right now? Yeah. I think what's exciting is that if you look at slide 17, you know, last quarter we shared the profile, the recurring revenue profile of our consumer business, and we added this quarter the recurring revenue profile of our enterprise business. I think what you can see is that performance continued through Q2 in terms of having, you know, over an 80% recurring revenue, which is a testament to just the stickiness of the product. And we continue to invest, as Dee kinda highlighted, a couple of new, you know, product features. In addition to that, really pioneering the ability to bring financial content that is engaging, tied to people's lifestyles, to kinda keep them on the platform over time, giving us multiple bites at the apple for monetizing that customer, which is driving ARPU expansion. Great. Thank you very much. Thank you. The next question is coming from Hal Goetsch of Loop Capital. Please go ahead. Hey, good morning, guys. I was just curious in this kinda economic environment, what you're seeing in, you know, repeat usage or adoption of Instacash. On the income statement, just a kind of a block-and-tackling question. You know, direct costs in dollars, you know, jumped pretty meaningfully sequentially from Q1. Is that just a function of having all the acquisitions under the umbrella for the full quarter versus Q1? Just wanted to ask about that question too. Thanks. Hey, Hal. Good morning. I'll take the first part of the question, and then I'll turn it over to Rick to answer the direct costs question. On the Instacash product specifically, you know, this is a part of the business that we have imminent control over the levers to modulate the dollars at risk that we have at any point. As a reminder, Instacash is a high-velocity product. You know, it's a replacement oftentimes for a credit card-like usage, and our customers rely on it significantly. You know, as we've said in the prepared remarks, any time we go through volatility in the overall market where super prime, emerging prime lenders modulate their underwriting standards, Instacash becomes a safe haven product. You know, we are seeing increased demand for the product. We're seeing, you know, the usage from a monthly perspective be really active. As we've said in the prepared remarks, from a risk perspective, we continue to be very pleased with our customers' ability to pay and willingness to pay on that product. Again, you know, we're doing millions of these transactions on a monthly basis and, you know, we feel that there's more market share to take there as well going forward into Q3 and Q4. Thanks. Yeah. On the cost side, great clarifying question, Hal. Certainly the absolute dollar step-up is driven from the acquisitions. I think importantly, what you can see as we've talked about our path to profitability, that in, you know, the Q1 was an improvement to our expenses being 137% of adjusted revenue, stepping down to 122% in the Q2. We're continuing to see operating leverage, and there's much more to come. As we look ahead, we're guiding to 114% expenses as a percentage of revenue. Importantly, operating cash flow positive in, you know, the second half of this year, exiting 2022, EBITDA break even, you know, giving us, you know, more than adequate cash to kinda get to free cash flow positive, as we think ahead to 2023. Thanks a lot, guys. Once again, ladies and gentlemen, that is star one if you would like to register a question at this time. Ladies and gentlemen, that brings us to the end of today's event. We would like to thank you for your participation and interest in MoneyLion. You may disconnect your lines or log off the webcast at this time.