Joining me now, Kelly Kio, EVP, group business unit leader for Spend, Invest, Protect, and Save at SoFi. Kelly, thanks so much for joining us. >> Thank you so much for having me here today.>> So, Kelly, you have a really unique perspective because you can see where your clients are actually putting their money. So, tell us where are they putting their money and what does that tell you about overall market sentiment. Yeah.So I would say some of the trends that we are seeing is really that our members we call ...