Hi, this is Jim Hurleigh in San Francisco. While I'm new to swell, I've been podcasting for almost three years. I like the medium because for me, it's all audio. I listen to podcasts at the gym, while hiking and when I'm out and about. Lately, the Sam Bankman Freed story has been topped top of mind. I'm amazed how a 30 something millennial could ride the wave of cryptocurrency and create FTX, which has defrauded millions of investors