They've done well economically and professionally. It was our observation, when I was joining the company and when I pitched to the Board that there is this cohort of people in the United States that have done incredibly well academically. And the best way to describe that in normal terms is we want to help people get to the point, they have enough money to do what they want that could be having a family of a certain size, a certain size house in a certain location retiring at a certain point in time. Our mission is to help people achieve financial independence to realize their ambition. I think it's the first live conference I've done in quite a while, so good to be back in-person. And thank you, Jeff and Morgan Stanley for having us at the conference. I think many investors here are familiar with SoFi, but for those of them who are not, can you just lead maybe with a quick overview of the company, what you are doing, what you are looking to do over time? Why don't we just get into it right away? You've been at SoFi for over five years now, CEO for about four years. Anthony Noto, CEO of SoFi, thanks for joining us in-person this year. With that, Anthony, very happy to have you join us today. For important disclosures, please see Morgan Stanley's research disclosure website at If you have any questions, please reach out to your Morgan Stanley sales representative. Before we get started, I'll just go ahead and give a quick disclosure. Jeff Adelson here with Equity Research at Morgan Stanley. ( NASDAQ: SOFI) Morgan Stanley US Financials, Payments and CRE Conference Call J1:00 PM ET
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