[Music] Welcome back to NextGen Investing. It's now time to discuss the latest with SoFi as we do frequently discuss this name for under 30 today. But with an analyst call that's a bit mixed, Morgan Stanley with a price target raise but keeping an underweight rating on SoFi shares.So now I'd like to welcome in George Tillis, senior markets correspondent for the network for some more insight on what's driving shares lower today. George, I mean is it just this this analyst call. I know underweight isn't exact ...