“But I was also motivated um by applying what I had learned in those four or five years in startups and seeing if I could bring that into a bigger platform. And that platform was Charles Schwab in 2004. But I was excited about um taking that application into what was then a turnaround situation at Schwab. They also had not yet recovered from the dot com bus where trading velocity just collapsed and had no shown no signs of of ah improving. I'd done a couple of turnarounds.”