“And so I learned that at Schwab that you needed to combine things to be more successful. And and um then at Blue Quora, we've been experimenting with, can you um build technology, turns out you can, ah that can empower a channel of CPAs, but can you build the right software to capture tax alpha or tax advantage across the entire life of a consumer in ways that, you know, Robo had done it, but inside one account.”