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The U.S. is facing a housing affordability crisis that=E2=80=99s part of
a global problem. =20
































































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Please do not respond to this message.                      SoFi
Daily News Friday =E2=80=A2
JAN  5, 2024
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)   $24.26
-$1.31
(-5.12%)
Peloton (
http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN=
3a-2BXSFp-2Fn-2FdrITtZ-2By7tPfgcndT-2BFHUdtfhJAMaf2yjMJKlNq8E1o256kRH-2Bcjz=
PX5HedbuWl-2Fcq-2F7wCn6UiTzGpKCzN24W1TL59KI-2FS7icubXYCexEBf9pk8q-2FOE3ayMq=
k4VyRwXerGjkOV8EfAnowEUpr3aNqSMj7Iy9RlptFFDirAqne7Ua6sQNW17U70WoI0XH4tRv9su=
ayKqJENWuK4KRhxjQJU1mGWKgSlgBXhMIifzVZ-2BecMjfhRCYrgNa0tNUw1Ra1MHAD6Orx8Qug=
lP08fhXmwo8-2BHph6OEILVzT3kdwakna4yKd5m85jHSTOMjNBQ45v2N6iIiiSm0-2BgkJ-2BJ6=
aJ1f3jtmWzV11pfQprKvKjcWczGfgPwOYidrvjl95NBfPtNqwwlF-2FwUN6p45nd-2BrstP71ks=
pvaBfCfcWT87jbNx-2BaUkFiyF-2Fnff1yQj9YdZ7LAZ4Y27YxjQJxRD-2Blr0MLuls6CIbuWBz=
a-_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl=
5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3AC=
J2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2Fc=
Ao9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmX=
JUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP9=
4Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0X=
WDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9up=
YZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4B=
u-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUxsmWn-2B5FjG6TS9W2zWVYBP-2B12pMJRZo=
Z1HsN-2BtD8r4bOyfkGp7ONV-2FtT9kWIECMnSkjPJEsPNkaNyNT2oob4bjyAlxv6e0-2BY95wq=
ur-2FWKduQDzFGKjKIqNtn2Vk3aose5MMONxE6MtvgBe-2BDBAvF08-3D
)   $6.13
$0.75
(+13.94%)
Mobileye Global (
http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN=
3a-2BXSFp-2Fn-2FdrITtanmZ3nI3C3au0i1-2BijMRNsVfPkYPq3grnN0bB-2FmkDug49H6CV2=
Wys4sNQfweEccKHYZE5EakfATMGOTJsMBNUjuT0gwHiw3mcefXOZbTnausR-2FmKz06djoQKzyN=
KQ7LDgtKOpVwuIqUWYP-2B68dsIXAr3K3o17l9aflnOMltjmO8hONb0XfZFZVRbhk2vAoQC6Y5r=
K-2F3IEjjO6hjdVKhXQ9H427oYHuPqDcKzjVAVki-2B6Rmg58OzUwWsIth-2FQuikTznYgUwmMy=
7dV6LEaPKaXF9A8Zpl6JuwgL5SzxpsABb3xhbsQwjex6C1RtEdhs-2BvHNHThunzFzwjbz-2BoH=
fwVmso99ne91p4HkZyXvhgqEh-2FvcCL7FltzIsn7oUETyP4cj-2FHwLjAmPhXtvM7m2yweFAGz=
nOwh9TImr1Qo6NT6qDjr2FQcInx8HiCsoXHpfBDmay4jmsey84Yy55yHMfhVWiH5lex_y6r4Y-2=
Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0=
rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE=
6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzY=
d7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZaz=
zbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6=
U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8=
og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0=
pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv=
5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU3HhkSrJSkPWo1M5VKB2Bwlx4-2FhBf6sEIb-2BFhg6wvQ=
2y98l7yvooErG6xKYc6GeEeQFErgT-2Fb6j-2FYKWMk7qA3F4DCZkOtZHNG0EdiklFAWtY5d0CK=
KcmmDI7b7YT7rVkoYThtBj-2F-2B5VBdv1WqsOzbwA-3D
)   $29.97
-$9.75
(-24.55%)

( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737sPV=
fS9QhDcDQtZf-2FzmwXNLITVXhup9QMjLvCFX1YF-2BgZWcdlCCIABigzxIuBB4FwyBfJrXGLn-=
2FoRxcHYQWA-2BlkuB26oL9Wy-2FwLJGR2C9PvmKJM_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOks=
X762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3=
rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1x=
tNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidS=
H9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr=
6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj52=
4JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4=
IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThn=
V1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8B=
XmiZUzsCbWPR2pra56PnjRGdiuaw-2BQWWlGjIVu17uqq1sO5-2FPAQi-2FYTe3MAKut6Gyau5g=
C7o7ygOoeSsymENqoVusZ-2Fdh6EhWfh2GaxhXa-2FWMCIjdUA-2BQmPswV7B4JXnd5sbiFJSDJ=
W-2BRgf9IB7y6OZvXd8-3D )
         Americans aren=E2=80=99t alone in
their quest for an affordable place to live        Cities across
the world are in an affordability crisis, with costs outpacing
average workers=E2=80=99 paychecks. If you want a high quality of life at
a reasonable cost, the places you can go seem few and far
between.
Read more>>=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
u6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxt1pA9ymeiZyEjKT7xQ9kaDCZlWDL93VMaxShL=
LSNYz1U0D5QLXhuBVhLtdbwprJB3Z2UpOnAFVxbdSlKzARmsvlfaVs0WlePA7l4MoMOFIV8-3Ds=
sEc_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkN=
l5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3A=
CJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2F=
cAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXm=
XJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP=
94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0=
XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9u=
pYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4=
Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU2gn2bRmaX3ntqS3AsOnIUg6fPbMsmEoqV1=
9d1WguNkm8NkykacyX6natK7mPeWyVSLXk-2FRAcN2eulLUor92SB-2Fpci6oaiCyxdVg-2FuCI=
sUAlw6HhQC2BaCTk2G3Mic61N5eEG-2B29S8YtGhRehZXuQWs-3D )
         piggy bank=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
u6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxt1pA9ymeiZyEjKT7xQ9kaDCZlWDL93VMaxShL=
LSNYz1U0D5QLXhuBVhLtdbwprJB3Z2UpOnAFVxbdSlKzARmsvlfaVs0WlePA7l4MoMOFIV8-3Du=
bhy_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkN=
l5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3A=
CJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2F=
cAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXm=
XJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP=
94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0=
XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9u=
pYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4=
Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU3MioOqe9roqfjTzVOFbJRwA46-2FChoIYN=
7lYQkGz7S17ZGSX09FR9IhkS4cBCZZ2RAMhuoYEk2xGcLYkw3pndyZ0T6XH3ApI6awgPnwtVb3-=
2FH5O2a1YbKZYfAj9B9KQ8huRlHkq-2F9B9WK-2F158wxQOxs-3D )
  MARKET RECAP
US stocks were mostly lower on Thursday ahead of today=E2=80=99s jobs repor=
t

<ul> <li style=3D'padding-bottom: 15px'><strong>Shares of Walgreens fell 5.=
1%</strong> after the company announced it would slash its quarterly divide=
nd by nearly half to strengthen its balance sheet.</li> <li style=3D'paddin=
g-bottom: 15px'><strong>Disney-owned ESPN and the NCAA announced a $920 mil=
lion, 8-year media rights deal.</strong> ESPN will now hold the streaming r=
ights to 40 NCAA championships, including March Madness, effective Septembe=
r 1st. Disney shares slid 1.2% Thursday.</li> <li style=3D'padding-bottom: =
15px'><strong>Shares of self-driving car company Mobileye Global plummeted =
24.6%</strong> after the company slashed its 2024 revenue guidance and warn=
ed of inventory glut.</li> <li style=3D'padding-bottom: 15px'><strong>Pelot=
on shares jumped 13.9% on news it will partner with TikTok</strong> to offe=
r short-form workout videos through a fitness hub called #TikTokFitness.</l=
i> <li style=3D'padding-bottom: 15px'><strong>Oil producer APA agreed to ac=
quire oil and natural gas extraction company Callon Petroleum for $4.5 bill=
ion.</strong> APA stock fell 7.4% in response.</li> <li style=3D'padding-bo=
ttom: 15px'><strong>The ADP employment report showed the U.S. added 164,000=
 private sector jobs in December,</strong> topping consensus estimates as w=
ell as the previous month=E2=80=99s number.</li> <li style=3D'padding-botto=
m: 15px'><strong>Initial claims for unemployment benefits declined</strong>=
 to the lowest level since October.</li> </ul>


What to be on the lookout for today
<ul> <li style=3D'padding-bottom: 15px'><strong>The December jobs report an=
d an update on the services sector</strong> with the Institute of Supply Ma=
nagement=E2=80=99s PMI. </li> </ul>




  3
money moves to kick off the new year        If your new year=E2=80=99s
resolution is managing your money better, there=E2=80=99s no time like
the present to get started.

Let=E2=80=99s get fiscal
We don=E2=80=99t want to sound like a broken record, but it all starts
with your budget. And if you don=E2=80=99t have one, here=E2=80=99s how you=
 make
one=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9X=
URM5Z2e5gvCvZ4evSrKvgHA2VsL2-2B7BtFY6stIAlVILSw-2Fo8xTBSppkZOuHBjq9TYvnk-2B=
bfbUzteZwgwOMs93PNjz03FQfUeKXj7-2BUTIM1-2F-2F96zCWYX-2Bf-2F8omFd1g-3D-3DF9d=
g_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5=
-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ=
2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcA=
o9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJ=
UwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94=
Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XW=
DLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upY=
Zgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu=
-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU4iB6DsxDKbdF9Skjh7i-2BBxtJKJgDqiO-2B=
ppoMXiEj7Bm2kF9192qPhOK45uJR0d0uX-2BkWx6VO2BJ5mxU-2B8Z1kfgv-2BiBdSzGBbdAiaa=
PpF0HpCT-2FPCGlZbylJU5ZaATrf-2FslBAw7kIQAgfdT7w0Vzo-2Fo-3D )
.

Got any big plans for the year? Make sure you budget accounts
for big expenses or other plans you may have.

Where can you cut?
Review the last six months of your spending and highlight any
recurring charges to make sure you are actually using the product
or service. Do you really need all those subscription services?

Check your credit score
A good credit score=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9X=
URM5Z2e5gvCvZ4evSotW11kJKhH3Ul7zY2CD9peQvKRNmK-2FTEKlJ8NpEHo7cWJK1idJNfXuWv=
o8NXMd3DOQ2QpqO6nCkBd5L4TKNpvrkG6j94VK-2BzPcXAbhmaL5Ag-3D-3DzEk5_y6r4Y-2Fjy=
z39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtK=
WQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1=
kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7X=
Pc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbX=
Ve38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2=
BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-=
2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK=
1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL=
2JPI62yrrTmn1Ne4cuCb8BXmiZU4T-2FVebcXd9MXauquma5NL2uo9NuOzWkPCGODp4KAOqE13L=
wURm6A0o7S9EhUFfI56hNE-2FIayuCnICqBLSZ06UXAbBP22KBMRQOYovJyUkeSFxPWtm-2BSdw=
y0mtS5Wz0xIc1geBRH5rHAtBk2vCwPgi4-3D )
 can save you a lot of money. Lenders use your credit score to
help determine your creditworthiness. Generally, the higher a
score, the better your lending terms. SoFi can help you track
your credit score=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737Aky=
4rAxrc34LO-2BohDROSuTx4WRWsokHTv8qukl5clgzL7HsLCQwE-2BClE8CXzKW6-2BKSz99xIu=
q8ZQcjjszShqZI6EEAZY6A9RMeoOWMv2u3ORFKwMukQAOJe9C7f8YEQe9PdUJV1u1zSTmTx3voX=
8o-3DnwzR_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb=
8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXL=
onPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snN=
LrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWD=
bMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2=
qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfm=
mkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh=
-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07=
pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU5DJBvZXc0gZrdEq-2Filp55-2BSj=
FvodLRYKZnPKB-2BJVOr2tcEeY7j16m-2BP-2FIpRzTtbwn4g-2Bn1qiDlHwlkA5dHat8-2BU-2=
FgQ4G9lw2Xw1GIB4LMs-2FaI5Y1gkB7NcgJf-2F-2Ft9Rva8KZtR6jBIWOv25eWE-2BFyuw-3D =
)
 and help you take the first step to financial wellness.
piggy bank=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737Aky=
4rAxrc34LO-2BohDROSuTx4WRWsokHTv8qukl5clgzL7HsLCQwE-2BClE8CXzKW6-2BKSz99xIu=
q8ZQcjjszShqZI6EEAZY6A9RMeoOWMv2u3ORFKwMukQAOJe9C7f8YEQe9PdUJV1u1zSTmTx3voX=
8o-3DPyXe_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb=
8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXL=
onPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snN=
LrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWD=
bMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2=
qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfm=
mkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh=
-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07=
pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU6HEpGKxeaj1mIBehCoyAvLYlCWtY=
K3C97H3-2BKXMNl9vnFoOwNOM8Jv6WTwkPspT0btlRzsroqvs8q-2FtuvTYy9gYZocjPkpGRPSk=
mBTwfrixLoDZBrckOVjVZ-2FRTe4kqMdcoGSCEzUl88kp4bTN4Wco-3D )
 =20
Today=E2=80=99s top stories


A look back at a wild December for stocks


December was a wild month for the markets, with the Dow hitting record high=
 after record high. Here=E2=80=99s a closer look at what happened last mont=
h. <br /> <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039=
-2FQ-2FFRaRff735Qxsu6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJNjvqRW3Jib-2Foe-=
2FhWkd4e80tuHSSFh107jgcz80c2BG9E5d6FK1VKLBQyFzC-2FC7IBQersmYYs2ZSL2PsCX9Z-2=
BF2QTRvJFvafTd057K-2F5NeDP8-3DHGML_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L=
32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq5=
5TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3=
-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2F=
Cckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk3=
0EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj9=
2a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ8=
6Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FI=
dsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU7iO=
eEFRcb3v-2BJ7r2ktTAZhfnxL8F8KL-2FatbeE-2BbyzckacUHAhlFCBowh6RL0-2FJHBpQxQmp=
HGmgXrykBiAIZgZ8x-2Fsza7a-2BEnJlP5qNLUzJR-2Br3R29EK5EOmZXqUnvX-2BU1f95TEvXN=
LgMdvqrvUqBes-3D style=3D'color: #00819D; text-decoration: underline;'>Read=
 more >></a>


DEI and ESG are under attack
Companies are facing criticism over diversity, equity, and inclusion initia=
tives, and that could have major implications for companies, workers, and i=
nvestors. <br /> <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62L=
epVu039-2FQ-2FFRaRff735Qxsu6qgTu3mwVd1GBqeyykDJcAfA9HtmLyJOEyTPfB22juSC6kg0=
rmXeIOgBCuZKt4Ejp5Klgu8qTRhM9bpwrc8g5Ym6DokJ0J9JL4vRH0DIZYfdcFPddtTfukYP50B=
3hhSJjWwVBwn2AMsc34-2BrY-3Dy_Sm_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M=
97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TX=
UBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2F=
Zx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCck=
d2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30Ec=
BMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-=
2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sx=
gxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsD=
ezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUzwMcC4=
g86WudNPNqAwlM5nj4fc-2BTqd4i5QDy6LVsOz6DeSqVStQY04qEkiza6J7cS8kcLRZMsk77Q0Q=
CHVd6kDnML9semVrZ0HBrZho8t-2FgHU-2Bibj-2BmUehtQ1T6M7-2F0huELW0yAwAGDrlbk4tm=
PdIo-3D style=3D'color: #00819D; text-decoration: underline;'>Read more >><=
/a>


How to build generational wealth
If you=E2=80=99re thinking about building wealth to pass down to the next g=
eneration, it=E2=80=99s generational wealth that=E2=80=99s on your mind. So=
 what=E2=80=99s the first step? <br /> <a href=3D'http://ablink.daily.sofi.=
com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9XURM5Z2e5gvCvZ4evSqF8Zm4xes0=
H6z4g6STJGRfY4YdqhzFRkhRK7OUHWQKJxe9pMObC1qSJar8bDtGSJNiexMyrmpB06h37Gyf2Ga=
FzguwAkSqJjszHi-2FRX6PEYVCPK2qnzAnRl73WBOZhxWc-3DlIzW_y6r4Y-2Fjyz39fUgiIVZv=
xszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw=
9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BC=
J1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF=
4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2B=
RbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh1=
5uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zSh=
gbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRo=
UsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTm=
n1Ne4cuCb8BXmiZUydIvnbj79nqImTGWlcdW-2FaEGN9NMMrOAKc-2B5pIc6D1xc-2BwrJ5ey2U=
MFwf7PLqCzkozy3SM-2BHtmjYLph5HeWc8qGyGm3aL75HEF6zv0oaZcVu-2FFl09tPg6FlD4lsI=
oxZtwz60CXU2f0QPqROnVQ-2F4AI-3D style=3D'color: #00819D; text-decoration: u=
nderline;'>Read more >></a>





          Other news that caught
our eye         *
A U.S. labor agency accused Elon Musk=E2=80=99s SpaceX of <a href=3D'http:/=
/ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff739LT15Rc6of5x=
31jxfVOa9E63zEkW8NU2VHJyzuMtbqa8fZupAC72zw2VrIhppXDpRn-2BBE6C-2BsDXTh0oBiHn=
6jeuJGAHR7PxZzUZKhjZEGXeQcWeGT81-2Be0QQGDJxbKGDjvZnMiDzZnhssM2QquZTtcNvK-2B=
ChT-2FBqn81-2FcTIdvHw0aui_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1c=
f2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemf=
X9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puB=
VN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh=
7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncK=
TZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDO=
DhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i=
3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR=
6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU8nwXtT4DcipE=
6ruVCZvxmA76uINdwmMHsCAInYx12Vo7dSMokMk5rb2Scb8cuFdCNcJF45ZSIqawXEopkovvK-2=
B30r-2FDewaqDYZJdSQZ1qWgGgYH5mzU-2FO5eI4yPbqFwvnbBOtuBky2cPnmN7aQMNP8-3D st=
yle=3D'color: #00819D; text-decoration: underline;'>illegally firing eight =
employees</a> over a letter calling Musk a &quot;distraction and embarrassm=
ent&quot;.

*
Eli Lilly launched a website enabling patients to <a href=3D'http://ablink.=
daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2FCKv18978-2FvvXd19=
WMJHfGaC-2Fg1edNcTnGOwcLZxuUsFboEeB5hsgIIHuZZHYxxEAOkdbR5r8P1FbttsZYax0uxFN=
tt5EqemNF14aUNgqnVgVOXmlUG7Sf8mXf0ga30ucQYlXY-2FI1F6mcYOc6LUris-3Dss6V_y6r4=
Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAU=
TS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQ=
alE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRo=
XzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1X=
ZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZ=
Uu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm=
0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65=
eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj8=
9wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU82TPnEh6h6WXQUud9XjA6wOkbd-2FZJVTnqOiV3kGa=
nmOmq5sI8lGjaE0ggGCkuLHznNJp3TroHoCM-2F3uWvH0-2BMipJMuOz45O8qJC-2B-2FCTOMF-=
2F-2FzUlHLod19WGtfu8JL-2BlYj-2F14TvGSUl0YvR4sBDe3Fw-3D style=3D'color: #008=
19D; text-decoration: underline;'>get weight loss drug prescriptions</a> fr=
om telehealth providers.

*
Microsoft will <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62Lep=
Vu039-2FQ-2FFRaRff739fqP4q5ro8n5OXHvahRo-2Bul9rhOGnr0nyhw-2FRAjUubW-2B2bL-2=
F7frz-2Fj0n0N8EBlwSxZlMGu1Jj1Opr6BWN-2FGlr4-3DvL4o_y6r4Y-2Fjyz39fUgiIVZvxsz=
I1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RX=
ulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1Q=
XKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oB=
xpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbv=
QYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uu=
NIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ=
3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsX=
aELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1N=
e4cuCb8BXmiZU1sLS30tHb8mrRJzms1v3VZjWA-2BqOQVFmEGpAp-2BzXsOdRtD-2FXKdTXJJt-=
2FYlb1RNfNxVyQh7DXSmL2VZ0cd3PkT1C1PDhDOaU7MFjeZP4DYC98xQXAeo-2FobYLgHodvd8d=
MVxGIf560voWB76tCA0YaJk-3D style=3D'color: #00819D; text-decoration: underl=
ine;'>add an AI Copilot key to the Windows keyboard</a> to help users answe=
r general questions, summarize web content, or change system settings.=20

*
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff73z9-2FDuExyWNxTDQ-2BSEpVp9EQJ-2BmbVwvzTmqYK4ekn4oVhaZXwV2ZED0QSnOWNPrV6=
7SjVkpMh-2BbTmqrvGKqorhzmAGRIJRiafuJ-2F5o-2BbTKzb-0L6_y6r4Y-2Fjyz39fUgiIVZv=
xszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw=
9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BC=
J1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF=
4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2B=
RbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh1=
5uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zSh=
gbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRo=
UsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTm=
n1Ne4cuCb8BXmiZUxm8aRO1BkeFlgDc12-2F8cEGSpC6XdaC5gLgQ5SsqobxyFV5YzpH-2F2a41=
zxCLuafn8z5-2Fc3NXXXAHN-2F0eK0ImSntIFDAuk2nj9kKRcITg2C0sw-2FMFjXNObbAPXH87M=
MTQZGMnISoyulyXxgGnkdMVKQM-3D style=3D'color: #00819D; text-decoration: und=
erline;'>U.S. flight cancellation rates fell below 1.2% in 2023,</a> the lo=
west level in 10 years.

*
Apple <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ=
-2FFRaRff733SZbKtN4dgTc7iSV9G58-2BUCV0yDbwdrKTYUrAh7EwKTyHcgb9YrHBKJ3lvcxCb=
Rmegql4mD9Z2TKgyMgijtDM54aZr0cF8nCnvE2EhaIHScqi7oFz0OCvodPsy4fnwhImn-2FlaIs=
q1YIDI2CUgAFIcT9q86i3-2F3eZ8DqgRKzdf69i-2BvmcWED4jZvv-2BY-2FSKzEsixy8Pz0UGe=
ghmjZZgF9Qqs-3D134H_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSL=
L6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVe=
Kcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNU=
rv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJ=
pHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMG=
aterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjY=
GIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn=
-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWf=
c1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU6e87k0H2u7sUXa5ex3=
6nzzapWdmo-2BIezJxhhq7bGZ9m4IUwXHy2Be7Ayoe90raj3OeYJtcWxyrPNZGAnSslco5mpD0K=
r58e5rkzYtjHoYBHXYlYaM6yIyfj5Fv7DIvqbvJZNGYJmCkVToonddifK4I-3D style=3D'col=
or: #00819D; text-decoration: underline;'>received its second analyst downg=
rade this week</a> over iPhone sales concerns. The company has lost more th=
an $150 billion in market value so far this year.=20





     Financial
planner tip of the day       =E2=80=9CIf it works with your income, the 50/=
30/20 budget is one simple method for people starting to reorganize their f=
inances. This budget allocates 50% of your income for essentials, like rent=
 and bills, 30% toward personal day-to-day spending, and 20% for savings or=
 financial goals.=E2=80=9D
=E2=80=93 Brian Walsh, CFP=C2=AE at SoFi
       How did you like today=E2=80=99s
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    src: url("https://d32ijn7u0aqfv4.cloudfront.net/assets/fonts/TTNorms-bo=
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  }

  td,

  span { -webkit-text-size-adjust: none;}

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al-align: super;}

  a,

  a:visited { color: #00819D;font-weight: bold;text-decoration: none;

  }

  .applelink,

  .applelink a,

  .applelinks,

  .applelinks a,

  a[x-apple-data-detectors] {color: inherit !important;cursor: text !import=
ant;font-size: inherit !important;font-family: inherit !important;font-weig=
ht: inherit !important;line-height: inherit !important;text-decoration: non=
e !important;}

  .mobshow {display: none !important;}

  .mobshowinline {display: none !important;}

  .mobpadding {display: none !important;}

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	.fullwidth { width: 100% !important; }

	.fullwidthsub { width: 100% !important;  }

	.halfwidth { width: 50% !important;  }

	.mobheadline { font-size: 22px !important; line-height: 50px !important; }

	.mobheadlinearticle { font-size: 24px !important; line-height: 32px !impor=
tant; }
	 =20
	.mobheadlinearticle1 { font-size: 20px !important; line-height: 28px !impo=
rtant; }

	.mobhide { display: none !important; }

	.mobshow { display: block !important;}

	.mobshowinline { display: inline !important;}

	.mobcellshow { display: block !important; font-size: 10px !important; line=
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	.mobbottompadding50article { font-size: 50px !important; line-height: 50px=
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@media only screen and (max-width: 385px) {

	.bannercopy { font-size: 18px !important;line-height: 24px !important; }

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	.mobhide320 { display: none !important; }

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<!-- Start Gmail Promo -->

	<script type=3D"application/ld+json">

      [{

        "@context": "http://schema.org/",

        "@type": "Organization",

        "name": "SoFi",

        "logo": "https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/upload=
s/raw/SoFi_gem_turquoise_100px.png"

      }]

    </script>

<!-- // Gmail Promo -->



<!-- VARIABLES -->

		<!-- copy/paste as needed -- =09

*Non-Sofi link: <a href=3D'#' style=3D'color: #00819D; text-decoration: und=
erline;'></a>

	=09

*Ticker link, use Sheet: https://docs.google.com/spreadsheets/d/1RKEEchhoYP=
oF_iDTv8uSdvmNDiDfUbFPOPYAaayq6lY/edit#gid=3D0



		BR: <br />

		Special characters: &rsquo; &ldquo; &rdquo; &nbsp; &mdash; &ndash; &helli=
p; &#8209;

		Unordered list for mid-article:

				<br />

			<ul style=3D'margin-top: 0; margin-bottom: 0; padding-left: 30px;'>

				<li style=3D'padding-top: 10px;'><span style=3D'color: #717076;'>

					A

				  </span></li>

              <li style=3D'padding-top: 10px;'><span style=3D'color: #71707=
6;'>

					B

				  </span></li>

              <li style=3D'padding-top: 10px;'><span style=3D'color: #71707=
6;'>

					C

				  </span></li>

            </ul>

		-->=09

<!-- Welcome Letter -->
</head>
<body>
<div style=3D"display:none !important;visibility:hidden;mso-hide:all;font-s=
ize:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:=
0;overflow:hidden;">The U.S. is facing a housing affordability crisis that=
=E2=80=99s part of a global problem.</div>
<p>







<!-- Market indices	-->

 <!-- ex: "26,817.11" -->

 <!-- ex: 0.91 or -0.91 -->















 <!-- ex: "SoFi" -->

 <!-- Just add ticker!  -->

 <!-- Just add ticker! -->

 <!-- ex: "$40.29" -->

 <!-- ex: "+$1.05" or "-$1.05" -->

 <!-- ex: 0.15 or -0.15 -->































<!-- Top Story -->

=09
=09













<!-- Article 1 -->

=09


























<!-- Not so breaking news

link: <a href=3D'#' style=3D'color: #00819D; text-decoration: underline;'><=
/a>

    -->



















<!-- Quote -->



=09



<!-- Misc -->





<!-- BG images - Do not edit -->

=09

=09

=09

=09

=09

=09

	=09

<!-- // BG images -->



<style type=3D"text/css">

  @media only screen and (max-width: 480px) {

	.mobbackground {

    background-image: url("https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-cont=
ent/uploads/raw/daily_purplebg_mob.jpg") !important;}   =20

  }

</style>

=09



</p>

<!-- Insert &zwnj;&nbsp; hack after hidden preview text -->

<div style=3D"display: none; max-height: 0px; overflow: hidden; font-size: =
0px; color: #EDF0F2;">&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
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=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=
=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;

</div>=09

<table bgcolor=3D"#EDF0F2" width=3D"100%" cellspacing=3D"0" cellpadding=3D"=
0" border=3D"0" style=3D"background-color: #EDF0F2;">

  <tr>

    <td class=3D"gfix" valign=3D"top" style=3D"min-width: 600px; color: #ff=
ffff;">

      <table bgcolor=3D"#EDF0F2" class=3D"fullwidth mobhide" width=3D"600" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"=
background-color: #EDF0F2;">

        <tr>

        	<td style=3D"color: #EDF0F2; font-family: 'TT Norms', 'Montserrat'=
, sans-serif; font-size: 25px; line-height: 25px; padding: 0px; text-align:=
 center;" height=3D"25">&nbsp;</td>

        </tr>

      </table>

      <!-- header -->

            <!-- header -->

                    <!-- Preference Center -->

             =20

                    <table class=3D"fullwidth " width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center">

                      <tr>

                        <td class=3D"mobpadtop10" style=3D"color: #757575; =
font-family: 'TT Norms', 'Montserrat', sans-serif; font-size: 12px; line-he=
ight: 18px; padding: 0 15px 5px 15px; text-align: center;">This email is co=
ming from an unmonitored email account. Please do not respond to this messa=
ge.</td>

                      </tr>

                    </table>

     =20

            <!-- Header -->



              <!-- Header -->

             =20

              <table bgcolor=3D"#00819D" class=3D"fullwidth" width=3D"600" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"=
background-color: #00819D;">

                <tr>

                  <td class=3D"mobbackground" background=3D"https://d32ijn7=
u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/daily_purplebg_desk.jpg" b=
gcolor=3D"#00819D" width=3D"600" valign=3D"top" style=3D"background-image: =
url('https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/daily_=
purplebg_desk.jpg'); background-position: top left; background-size: cover;=
">
<!--[if gte mso 9]>

  <v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stroke=3D=
"false" style=3D"width:600px;">

    <v:fill type=3D"tile" src=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/w=
p-content/uploads/raw/daily_purplebg_desk.jpg" color=3D"#00819D" />

    <v:textbox style=3D"mso-fit-shape-to-text:true" inset=3D"0,0,0,0">

  <![endif]-->

                   =20

                    <div>

                      <table cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0" class=3D"fullwidth" width=3D"600">

                        <tr>

                          <td class=3D"sidepadding" width=3D"30">=C2=A0</td=
>

                          <td valign=3D"top">
<!-- Logo -->

                           =20

                            <table class=3D"fullwidthsub" width=3D"250" cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=3D"float=
:left;">

                              <tr>

                                <td class=3D"mobpadbottom15" width=3D"220" =
valign=3D"middle" style=3D"padding-top: 40px; padding-bottom: 20px;"><img s=
rc=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-=
DailyNews-White_600trim.png" alt=3D"SoFi Daily News" class=3D"mobwidth180" =
width=3D"220" border=3D"0" hspace=3D"0" vspace=3D"0" style=3D"display: inli=
ne-block; font-family: 'Larsseit', Arial, sans-serif; font-size: 20px; font=
-weight: 600; color: #ffffff; vertical-align: top;"></td>

                              </tr>

                            </table>

                            <!-- Outlook hack for multiple columns -->=20

                              <!--[if mso]></td><td width=3D"100">&nbsp;</t=
d><td><![endif]-->=20

                            <!-- Date -->

                           =20

                            <table class=3D"fullwidthsub" width=3D"150" cel=
lspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"right" style=3D"floa=
t:right;">

                              <tr>

                                <td class=3D"mobpadtop0 mobpadbottom30" sty=
le=3D"padding-top: 75px; padding-bottom: 40px; "><table class=3D"fullwidths=
ub" width=3D"145" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D=
"right" style=3D"float:right;">

                                    <tr>

                                    <td class=3D"mobfont12 mobfontwhite" va=
lign=3D"middle" style=3D"font-family: 'TT Norms', 'Montserrat', sans-serif;=
 text-align: left; vertical-align: middle; font-size: 10px; line-height:21p=
x; font-weight:bold; color: #FFFFFF; padding-left:15px;">Friday<span class=
=3D"mobshowinline"> =E2=80=A2</span><br class=3D"mobhide">

                                        <span class=3D"mobfont12" style=3D"=
font-size:18px;">JAN  5, 2024</span>
</td>

                                  </tr>

                                  </table></td>

                              </tr>

                            </table>
</td>

                          <td class=3D"sidepadding" width=3D"50">=C2=A0</td=
>

                        </tr>

                      </table>

                      <!--	  Market Recap -->

                      <table cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0" class=3D"fullwidth" width=3D"600">

                        <tr>

                          <td width=3D"16"><strong>&nbsp;</strong></td>

                          <td style=3D"padding-bottom:16px;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#ffffff" style=3D"bac=
kground-color: #ffffff; border: 1px solid #FFFFFF; border-radius:20px; widt=
h:100%;">

                              <tr>

                              <td width=3D"25">=C2=A0</td>

                              <td style=3D"font-size: 30px; line-height: 30=
px;" height=3D"30">&nbsp;</td>

                              <td width=3D"25">=C2=A0</td>

                            </tr>

                              <tr>

                              <td width=3D"25">=C2=A0</td>

                              <td style=3D"color: #00819D; font-family: 'TT=
 Norms', 'Montserrat', sans-serif; font-size: 12px; font-weight: 600; line-=
height: 16px; text-align: left; text-transform: uppercase;">Market Recap</t=
d>

                              <td width=3D"25">=C2=A0</td>

                            </tr>

                              <tr>

                              <td width=3D"25">=C2=A0</td>

                              <td style=3D"color: #330072; font-family: 'TT=
 Norms', 'Montserrat', sans-serif; font-size: 16px; line-height: 24px; text=
-align: left;"><table bgcolor=3D"#ffffff" class=3D"fullwidthsub" width=3D"5=
18" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=
=3D"background-color: #ffffff;">

                                  <tr>

                                  <td valign=3D"top">
<!-- Column 1 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right:10px; text-align: lef=
t;">Dow Jones</td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">37,440.34<br>

                                          <span style=3D"color: #0EA800; fo=
nt-size: 14px;">(+0.03%)</span></td>

                                        </tr>

                                    </table>

                                     =20

                                      <!-- Outlook hack for multiple column=
s -->=20

                                      <!--[if mso]></td><td><![endif]-->=20

                                     =20

                                      <!-- Column 2 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right:10px; text-align: lef=
t;">S&amp;P 500</td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">4,688.68<br>

<span style=3D"color: #E03E52; font-size: 14px;">(-0.34%)</span></td>

                                        </tr>

                                    </table>

                                     =20

                                      <!-- Outlook hack for multiple column=
s -->=20

                                      <!--[if mso]></td><td><![endif]-->=20

                                     =20

                                      <!-- Column 3 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right:10px; text-align: lef=
t;">Nasdaq</td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">14,510.30<br>

<span style=3D"color: #E03E52; font-size: 14px;">(-0.56%)</span></td>

                                        </tr>

                                    </table>

                                     =20

                                      <!-- Outlook hack for multiple rows -=
->=20

                                      <!--[if mso]></td></tr><tr><td><![end=
if]-->=20

                                     =20

                                      <!-- Column 4 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right:10px; text-align: lef=
t;"><a href=3D"http://ablink.daily.sofi.com/uni/ls/click?upn=3D62LepVu039-2=
FQ-2FFRaRff737E8xHN3a-2BXSFp-2Fn-2FdrITtZ8-2BHYma7jMU7ktB4SyIrZjVtENjpIWkK3=
jxXqBm1-2B03U4PaH612c2b9X3-2BQgj-2BOt5pxJNefn7xZtwUcME-2FffvWs1N8X3IB8neRr4=
f8KlHDomUT2vOsfk8-2Fw18bLZmRRVF7JNeH-2ByPiTxIJo5sKVtfywDY-2B38aX-2BL0qwcZeM=
-2B2CnTrYrONAWH1zrKduVSfTgGpR8HW5OyuZXql4rtp73k9nEknbD-2BYi9IKwN5KVm0TVd3JR=
rCq2NhjKoq40kyvPNJDTyzVjaJZ2X6Ci42n3QHnhpYNyphXxTj9EvgblcpWfQ4xbEGwnIrUm8q7=
rXg-2BmdB-2F3DV-2BEojdplila561K-2FBTFqSpdj1i87K3P4R36HRqIYKV8PjBr2WEk0iXHQ3=
aA5BxYyA1wAWa4JsOH8qBtR3xjsM-2FSlffIafJkfFpGodpJSMkBunx-2BGT4k5hxvikQzj3g-3=
D73Lz_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAn=
kNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb=
3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-=
2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMON=
XmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJ=
RP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqE=
r0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By=
9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLo=
A4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU6x5yXEND0A7eMgRRYzfZZ73sudvDXD73=
9nPzG9GOGrj5tY4j39ABvKxat-2B5YHeq-2FOQTKWJvHQNA-2B8p-2BkWF2DlY8HRhZSaAiX16u=
jiX4FaQpGm9UQW2lgL0Xf13UNpt4Vxl9Y8-2FmkJJAPKLCe5VC96M-3D" universal=3D"true=
" style=3D"color: #330072; text-decoration: underline; font-weight:normal;"=
>Walgreens</a></td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">$24.26<br>

<span style=3D"color: #E03E52; font-size: 14px;">-$1.31 (-5.12%)</span></td=
>

                                        </tr>

                                    </table>

                                     =20

                                      <!-- Outlook hack for multiple column=
s -->=20

                                      <!--[if mso]></td><td><![endif]-->=20

                                     =20

                                      <!-- Column 5 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right:10px; text-align: lef=
t;"><a href=3D"http://ablink.daily.sofi.com/uni/ls/click?upn=3D62LepVu039-2=
FQ-2FFRaRff737E8xHN3a-2BXSFp-2Fn-2FdrITtZ-2By7tPfgcndT-2BFHUdtfhJAMaf2yjMJK=
lNq8E1o256kRH-2BcjzPX5HedbuWl-2Fcq-2F7wCn6UiTzGpKCzN24W1TL59KI-2FS7icubXYCe=
xEBf9pk8q-2FOE3ayMqk4VyRwXerGjkOV8EfAnowEUpr3aNqSMj7Iy9RlptFFDirAqne7Ua6sQN=
W17U70WoI0XH4tRv9suayKqJENWuK4KRhxjQJU1mGWKgSlgBXhMIifzVZ-2BecMjfhRCYrgNa0t=
NUw1Ra1MHAD6Orx8QuglP08fhXmwo8-2BHph6OEILVzT3kdwakna4yKd5m85jHSTOMjNBQ45v2N=
6iIiiSm0-2BgkJ-2BJ6aJ1f3jtmWzV11pfQprKvKjcWczGfgPwOYidrvjl95NBfPtNqwwlF-2Fw=
UN6p45nd-2BrstP71kspvaBfCfcWT87jbNx-2BaUkFiyF-2Fnff1yQj9YdZ7LAZ4Y27YxjQJxRD=
-2Blr0MLuls6CIbuWWFrb_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BF=
SLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9Tr=
VeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8G=
NUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7Aaj=
VJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8g=
MGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWR=
jYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esG=
Sn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6Tsr=
Wfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUwQXZxmVg3-2FxSbo=
8Jty6HzcuDB05SJ-2B-2FjZ73QV-2FMEKDf5vkJTEFqwdcgrq0rKpL8wyKH4eIqzm1Nxl8kv-2B=
ajLledeqpxFsX55yZN-2Fw-2Fm1Q7EbkaoDb4C8Iqkxy9m043CCVKHUZD-2FCpSJDlmedO7oYUQ=
-3D" universal=3D"true" style=3D"color: #330072; text-decoration: underline=
; font-weight:normal;">Peloton</a></td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">$6.13<br>

<span style=3D"color: #0EA800; font-size: 14px;">$0.75 (+13.94%)</span></td=
>

                                        </tr>

                                    </table>

                                     =20

                                      <!-- Outlook hack for multiple column=
s -->=20

                                      <!--[if mso]></td><td><![endif]-->=20

                                     =20

                                      <!-- Column 6 -->

                                     =20

                                      <table class=3D"halfwidth" width=3D"1=
71" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"left" style=
=3D"float:left;">

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; line-height: 24px;=
 padding-top: 25px; padding-bottom:5px; padding-right: 10px; text-align: le=
ft;"><a href=3D"http://ablink.daily.sofi.com/uni/ls/click?upn=3D62LepVu039-=
2FQ-2FFRaRff737E8xHN3a-2BXSFp-2Fn-2FdrITtanmZ3nI3C3au0i1-2BijMRNsVfPkYPq3gr=
nN0bB-2FmkDug49H6CV2Wys4sNQfweEccKHYZE5EakfATMGOTJsMBNUjuT0gwHiw3mcefXOZbTn=
ausR-2FmKz06djoQKzyNKQ7LDgtKOpVwuIqUWYP-2B68dsIXAr3K3o17l9aflnOMltjmO8hONb0=
XfZFZVRbhk2vAoQC6Y5rK-2F3IEjjO6hjdVKhXQ9H427oYHuPqDcKzjVAVki-2B6Rmg58OzUwWs=
Ith-2FQuikTznYgUwmMy7dV6LEaPKaXF9A8Zpl6JuwgL5SzxpsABb3xhbsQwjex6C1RtEdhs-2B=
vHNHThunzFzwjbz-2BoHfwVmso99ne91p4HkZyXvhgqEh-2FvcCL7FltzIsn7oUETyP4cj-2FHw=
LjAmPhXtvM7m2yweFAGznOwh9TImr1Qo6NT6qDjr2FQcInx8HiCsoXHpfBDmay4jmsey84Yy55y=
HMfhVWiHGRKA_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6=
rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2=
qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2=
snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9Vbz=
vWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa=
4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbAB=
dfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9b=
jLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwp=
r07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU8gyKEE7EQwOf4ShX386g7A6a2=
sC3H57jxzSpbVYzIC4scDF5iqkRnCwfliaJ7gyaNyR3yVim5y6nS8-2B6uKO84Ir4pSCRJwPkjH=
NC-2BLi27PAdWnP3g8ytOM6xhusvtX7wMtbYtN-2FgjuwACAKYRcI5Sk-3D" universal=3D"t=
rue" style=3D"color: #330072; text-decoration: underline; font-weight:norma=
l;">Mobileye Global</a></td>

                                        </tr>

                                      <tr>

                                          <td style=3D"color: #330072; font=
-family: 'Larsseit', Arial, sans-serif; font-size: 18px; font-weight: 700; =
line-height: 24px; text-align: left;">$29.97<br>

<span style=3D"color: #E03E52; font-size: 14px;">-$9.75 (-24.55%)</span></t=
d>

                                        </tr>

                                    </table>
</td>

                                </tr>

                                </table></td>

                              <td width=3D"25">=C2=A0</td>

                            </tr>

                              <tr>

                              <td width=3D"25">=C2=A0</td>

                              <td style=3D"font-size: 30px; line-height: 30=
px;" height=3D"30">&nbsp;</td>

                              <td width=3D"25">=C2=A0</td>

                            </tr>

                            </table></td>

                          <td width=3D"16">=C2=A0</td>

                        </tr>

                      </table>

                    </div>

                   =20

                    <!--[if gte mso 9]>

    </v:textbox>

  </v:rect>

  <![endif]-->
</td>

                </tr>

              </table>

   <!--		BANNER ADD -->

<!-- banner -->

<table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-col=
or: #ffffff;">

    <tr>

       <td class=3D"sidepaddingnsbn" width=3D"25">&nbsp;</td>

            <td style=3D"padding-top:35px; padding-bottom:50px;">
			=09
				<a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2=
FFRaRff737sPVfS9QhDcDQtZf-2FzmwXNLITVXhup9QMjLvCFX1YF-2BgZWcdlCCIABigzxIuBB=
4FwyBfJrXGLn-2FoRxcHYQWA-2BnpTa-2FwoN11htkmCfzOJ3srhTpdXKNHiUw3UPOsJs820KOC=
opRZ3-2Fz8izNwFSq2kpKf9v4za9ETDdLL84ICmgWieNu40-2BuFCg1Vka96yA0V7nHK8jPz8CG=
JrLAoIQNsVmaoRwnwe22qyH-2FXpH-2Fc9TZ-2Bh47SHASMPHoRODK8pb51chI14Jz4ivwZw6Be=
ynB6PSdMHfeijWHCW45L9IJL2zZxMsEa_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32=
M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55T=
XUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2=
FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCc=
kd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30E=
cBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a=
-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86S=
xgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIds=
DezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUxuQHD=
-2FWpQnebFxr6VP2FfR2eqh-2FGWTzXu-2FnRB-2F1YxakUS35nKlABsngeHecmo5V2DuI35n9w=
bkTlQqhVqovzjLYU-2Fhh37g17-2FGfuxTtj-2BvKsV7VPTdzipZE1tqm0O46k8rR8W7znkrjHp=
56N3M5h3A-3D" target=3D"_blank">
				=09
				<img class=3D"mobhide" alt=3D"" width=3D"550" border=3D"0" hspace=3D"0"=
 vspace=3D"0" style=3D"vertical-align: top;" src=3D"https://d32ijn7u0aqfv4.=
cloudfront.net/wp/wp-content/uploads/raw/MB23-1622406-O_Membership-New-Year=
s-Campaign-2024_LCM-Daily-Banner_250x450.png">
				=09
				<!-- MOBILE -->

				<!--[if !mso]><!-->

				<img src=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads=
/raw/MB23-1622406-O_Membership-New-Years-Campaign-2024_LCM-Daily-Banner_250=
x450_mobile.png" class=3D"mobshow" alt=3D"" border=3D"0" hspace=3D"0" vspac=
e=3D"0" style=3D"display: none; width: 100%;">

				<!--<![endif]-->

  </a>
		</td>
  <td class=3D"sidepaddingnsbn" width=3D"25">&nbsp;</td>

  </tr>

  </table>
	=09
		<table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-=
color: #ffffff;">
    <tr>
      <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-=
height: 0px; max-height: 0px;">=C2=A0</td>
      <td align=3D"left" valign=3D"top" height=3D"1" style=3D"background-co=
lor: #CCCCCC; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-r=
space: 0pt; mso-line-height-rule: exactly; line-height: 2px;"><!--[if gte m=
so 15]>&nbsp;<![endif]--></td>
     <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-h=
eight: 0px; max-height: 0px;">=C2=A0</td>
    </tr>
  </table>

  <!-- // banner -->

<!--		BANNER ADD -->
	=09
	=09
<!-- Welcome letter	-->



<!-- // Welcome letter -->
	=09
		 <!-- Event section -->

   <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-=
color: #ffffff;">
    <tr>
        <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        <td class=3D"mobtoppadding50 mobheadlinearticle1" style=3D"color: #=
201747; font-family: 'Larsseit', Arial, sans-serif; font-size: 22px; font-w=
eight: 800; line-height: 30px; padding-top: 50px; padding-bottom: 20px; tex=
t-align: left;">Americans aren=E2=80=99t alone in their quest for an afford=
able place to live</td>
        <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      </tr>
      <tr>
       <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-top: 5px; text-a=
lign: left;">
			Cities across the world are in an affordability crisis, with costs outpa=
cing average workers=E2=80=99 paychecks. If you want a high quality of life=
 at a reasonable cost, the places you can go seem few and far between.<br>
 <a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFR=
aRff735Qxsu6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxt1pA9ymeiZyEjKT7xQ9kaDCZlWD=
L93VMaxShLLSNYz1U0D5QLXhuBVhLtdbwprJB3Z2UpOnAFVxbdSlKzARmsvt67MhcDw74auqNHb=
eeAXgWenY6s6Mygs4z7V5zt8tmYphaCR-2BjdjG2pNofMjCAQ9-2FwhFZDvTtiXTOJFL1zcdP5r=
smIDNgZMQ3T63rPhh04w2UgeCK8lqOdJxgJfibVgAwiZ-2F3dikE34VaSMWKcVN7lflOor-2B1-=
2FAH8vS7YEgid1c0gmTBuLrnZkY-2B3EH1BS4Hag2odf6JHKACE1DgECvV8c-3DjyDl_y6r4Y-2=
Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0=
rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE=
6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzY=
d7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZaz=
zbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6=
U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8=
og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0=
pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv=
5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU-2FR3MlodrXiEzpXC6wNtHT61zJnuC3A-2F-2ByCwRYWl=
5jR3ybltj2PoN4pZWPGNXY8xFTRQkyIZsiTCDj-2FklyJYrkH3CjS84rx0Ory5voqlowpJP995D=
ShNtYbU-2FPQA1TcfDXotUyyqhvuTZdPiiIIc2jg-3D" style=3D"color: #00819D; text-=
decoration: underline;">Read more&gt;&gt;</a>
          </td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      </tr>
    <tr>=20
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        <td class=3D"mobtoppadding0" style=3D"font-size:14px; line-height:1=
4px; padding-top:35px; padding-bottom:0;">
			<a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2F=
FRaRff735Qxsu6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxt1pA9ymeiZyEjKT7xQ9kaDCZl=
WDL93VMaxShLLSNYz1U0D5QLXhuBVhLtdbwprJB3Z2UpOnAFVxbdSlKzARmsvt67MhcDw74auqN=
HbeeAXgWenY6s6Mygs4z7V5zt8tmYphaCR-2BjdjG2pNofMjCAQ9-2FwhFZDvTtiXTOJFL1zcdP=
5rsmIDNgZMQ3T63rPhh04w2UgeCK8lqOdJxgJfibVgAwiZ-2F3dikE34VaSMWKcVN7lflOor-2B=
1-2FAH8vS7YEgid1c0gmTBuLrnZkY-2B3EH1BS4Hag2odf6JHKACE1DgECvV8c-3DO30u_y6r4Y=
-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUT=
S0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQa=
lE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoX=
zYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZ=
azzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZU=
u6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0=
o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65e=
M0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89=
wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU2ngiIAcqv-2BQCYEtVOZ0GHboSkQRBU3GRZO65OZju3=
LH0vohNwJBljUxHf8gHkdbGyZGB78MMA9YvD3UNfy-2FVvFPolhNPzSoiYJCEPhTIWFwAkOFfUQ=
a9v1prrxpooAH6-2BVcNsQPuHS-2FeUXPuBjc0Z8-3D" target=3D"_blank" style=3D"col=
or: #00819D; text-decoration: underline;">
				<img class=3D"fullwidthsub" width=3D"500" alt=3D"piggy bank" border=3D"=
0" hspace=3D"0" src=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/=
uploads/raw/toyhouses_780x440.jpg" vspace=3D"0" style=3D"color:#ffffff; tex=
t-align:center; vertical-align:top; width:100%;">
			</a>
		</td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
    </tr>=20
    <tr>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      <td class=3D"mobbottompadding50article" style=3D"color: #717076; font=
-family: 'TT Norms', 'Montserrat', sans-serif; font-size: 70px; line-height=
: 70px; padding: 0px; text-align: left;">&nbsp;
  </td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
    </tr>
  </table>
  <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-=
color: #ffffff;">
    <tr>
      <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-=
height: 0px; max-height: 0px;">=C2=A0</td>
      <td align=3D"left" valign=3D"top" height=3D"1" style=3D"background-co=
lor: #CCCCCC; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-r=
space: 0pt; mso-line-height-rule: exactly; line-height: 2px;"><!--[if gte m=
so 15]>&nbsp;<![endif]--></td>
     <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-h=
eight: 0px; max-height: 0px;">=C2=A0</td>
    </tr>
  </table>
	=09
	=09
  <!-- // Event section -->

  <!-- Top Story -->
      <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgrou=
nd-color: #ffffff;">
        <tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td class=3D"mobpadtop50" style=3D"color: #330072; font-family: '=
TT Norms', 'Montserrat', sans-serif; font-size: 12px; font-weight: 600; lin=
e-height: 16px; padding-top: 70px; text-align: left; text-transform: upperc=
ase;">MARKET RECAP</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
        <tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td class=3D"mobheadlinearticle1" style=3D"color: #201747; font-f=
amily: 'Larsseit', Arial, sans-serif; font-size: 22px; font-weight: 800; li=
ne-height: 30px; padding-top: 25px; padding-bottom: 20px; text-align: left;=
">
			  US stocks were mostly lower on Thursday ahead of today=E2=80=99s jobs =
report
			</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
		 =20
		 =20
        <tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; text-align: left;">
			  <ul>
	<li style=3D'padding-bottom: 15px'><strong>Shares of Walgreens fell 5.1%</=
strong> after the company announced it would slash its quarterly dividend b=
y nearly half to strengthen its balance sheet.</li>

	<li style=3D'padding-bottom: 15px'><strong>Disney-owned ESPN and the NCAA =
announced a $920 million, 8-year media rights deal.</strong>  ESPN will now=
 hold the streaming rights to 40 NCAA championships, including March Madnes=
s, effective September 1st. Disney shares slid 1.2% Thursday.</li>
=09
	<li style=3D'padding-bottom: 15px'><strong>Shares of self-driving car comp=
any Mobileye Global plummeted 24.6%</strong> after the company slashed its =
2024 revenue guidance and warned of inventory glut.</li>
=09
	<li style=3D'padding-bottom: 15px'><strong>Peloton shares jumped 13.9% on =
news it will partner with TikTok</strong> to offer short-form workout video=
s through a fitness hub called #TikTokFitness.</li>

	<li style=3D'padding-bottom: 15px'><strong>Oil producer APA agreed to acqu=
ire oil and natural gas extraction company Callon Petroleum for $4.5 billio=
n.</strong> APA stock fell 7.4% in response.</li>
=09
	<li style=3D'padding-bottom: 15px'><strong>The ADP employment report showe=
d the U.S. added 164,000 private sector jobs in December,</strong> topping =
consensus estimates as well as the previous month=E2=80=99s number.</li>
=09
	<li style=3D'padding-bottom: 15px'><strong>Initial claims for unemployment=
 benefits declined</strong>  to the lowest level since October.</li>
</ul>
			</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
		 =20
		 =20
        <tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; font-weight: 600; line-height: 24px; paddin=
g-top: 35px; text-align: left;">
			  What to be on the lookout for today
			</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
		<tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-top: 5px; text-a=
lign: left;">
			<ul>
	<li style=3D'padding-bottom: 15px'><strong>The December jobs report and an=
 update on the services sector</strong> with the Institute of Supply Manage=
ment=E2=80=99s PMI. </li>
</ul>
			</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
		 =20
		 =20
		 =20
		 =20
		 =20
        <tr>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td class=3D"mobbottompadding50article" style=3D"color: #717076; =
font-family: 'TT Norms', 'Montserrat', sans-serif; font-size: 70px; line-he=
ight: 35px; padding: 0px; text-align: left;">&nbsp;</td>
          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        </tr>
      </table>
      <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgrou=
nd-color: #ffffff;">
        <tr>
          <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; l=
ine-height: 0px; max-height: 0px;">=C2=A0</td>
          <td align=3D"left" valign=3D"top" height=3D"1" style=3D"backgroun=
d-color: #CCCCCC; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; mso-line-height-rule: exactly; line-height: 2px;"><!--[if g=
te mso 15]>&nbsp;<![endif]--></td>
          <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; l=
ine-height: 0px; max-height: 0px;">=C2=A0</td>
        </tr>
      </table>
<!-- // Top Story -->

  <!-- ProdEd section -->

   <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-=
color: #ffffff;">
    <tr>
        <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        <td class=3D"mobtoppadding50 mobheadlinearticle1" style=3D"color: #=
201747; font-family: 'Larsseit', Arial, sans-serif; font-size: 22px; font-w=
eight: 800; line-height: 30px; padding-top: 50px; padding-bottom: 20px; tex=
t-align: left;">3 money moves to kick off the new year</td>
        <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      </tr>
      <tr>
       <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-top: 5px; text-a=
lign: left;">
			If your new year=E2=80=99s resolution is managing your money better, the=
re=E2=80=99s no time like the present to get started.
			  <br><br>

			<strong>Let=E2=80=99s get fiscal</strong>	 <br>=20
		We don=E2=80=99t want to sound like a broken record, but it all starts wi=
th your budget. And if you don=E2=80=99t have one, <a href=3D"http://ablink=
.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9XURM5Z2e5gvCvZ4e=
vSrKvgHA2VsL2-2B7BtFY6stIAlVILSw-2Fo8xTBSppkZOuHBjq9TYvnk-2BbfbUzteZwgwOMs9=
3PNjz03FQfUeKXj7-2BUTU6gRoDnTH8t1cL7IZuZQSTeRTPX7xzjkwtcMELb3a0Nxtblv5WRxr0=
fjIKLN0BgvfypJdGXwH-2BgTnwbCsYVlMZwEQjL7-2BOszie59MhB2kqdOvRsGDPfVPZ9y1RaY-=
2FlGE-2Fb6OO5NP7S7RIcFVc-2FGB9i0H49xW2KxOD2QZ36R3XA5a0db0T73cdRgwWLxD30VKwv=
ZmThUqMnr07B212ogdFg-3D-3DV--4_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M9=
7xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXU=
BoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZ=
x1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd=
2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcB=
McncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2=
F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxg=
xt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDe=
zwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUxJga1T6=
-2Bxfi34hblHwj-2Bay2oocmvzdJlhR7T-2B9tjHgFTRD2WdgyQ7PPo4yq23-2FgrGShQ4PUMkV=
NAhThPenaQKmrMH68PBOY4yxnR0Pr8MRW-2FMsQmdQNkneBz13fcN9vU-2FhuCH3rXk4P-2FbHa=
j6fJEow-3D" style=3D"color: #00819D; text-decoration: underline;">here=E2=
=80=99s how you make one</a>.
<br><br>
			  Got any big plans for the year? Make sure you budget accounts for big =
expenses or other plans you may have.
<br><br>
		 <strong>Where can you cut?</strong>	<br>  			 =20
Review the last six months of your spending and highlight any recurring cha=
rges to make sure you are actually using the product or service. Do you rea=
lly need all those subscription services?
 <br><br>

<strong>Check your credit score</strong><br>
A <a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FF=
RaRff738U9XURM5Z2e5gvCvZ4evSotW11kJKhH3Ul7zY2CD9peQvKRNmK-2FTEKlJ8NpEHo7cWJ=
K1idJNfXuWvo8NXMd3DOQ2QpqO6nCkBd5L4TKNpvrJBcb-2BpZRGTJC95D-2B-2BJIaGrHOpRFf=
9fVoluhM58cQWNGCrEQvUtxpIC4Q7jlUyqrm4qnF-2BczxB2ElrkCT-2Brj-2Fxgbv5GBzg95LZ=
4-2FGFXXR3BS-2FzqIjr-2FXUUyNk-2FUwFioLsC7GGdSHujvzdaiUdXzL6763B0AAu4ZaXjd9f=
HvIISbjLiIBAjR0KEWdx7lc3q464ZJT3Ip-2FtW5Z9OAQn8NDu2Q-3D-3DmSPQ_y6r4Y-2Fjyz3=
9fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQ=
xACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kf=
f9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc=
-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe=
38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BY=
n2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B=
0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-=
2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2J=
PI62yrrTmn1Ne4cuCb8BXmiZU-2BflHXvqOgEu51zUocqVZHQYkapVUm85Rzx87Vf-2BcbdaP-2=
Bx9kPgv-2BwBrTyIELoKjwHnyA2C6AwYZ6PpJJsqyPd2QDOrveP2SMI0KuWJbLHOdv9x5VtlQhR=
A1qkuUfX3kkiKFCelWKjhn6wqEbfh0AVU-3D" style=3D"color: #00819D; text-decorat=
ion: underline;">good credit score</a> can save you a lot of money. Lenders=
 use your credit score to help determine your creditworthiness. Generally, =
the higher a score, the better your lending terms. <a href=3D"http://ablink=
.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737Aky4rAxrc34LO-2Boh=
DROSuTx4WRWsokHTv8qukl5clgzL7HsLCQwE-2BClE8CXzKW6-2BKSz99xIuq8ZQcjjszShqZI6=
EEAZY6A9RMeoOWMv2u3ORFKwMukQAOJe9C7f8YEQYYNlZS2EM33KD-2Bn3TGoe20EjgzzutbPHP=
p4c8aXN10va-2F0vZhq6gmOXOr8O3UGQkYogVQGTIc-2FsQSl026FOFbhE2Vbj3sx4SOkYGxnOT=
X1MWYNvQ9epS-2FHP7kRgO2DvkfosVH6WzqXlWgjOhszVK-2BiCDj0IwVPLyt9lO2Zxax-2FeCn=
ZUe2eJRShRyq5aiI-2Fj3lcNxT9JT-2BjqfIITupjZGfY-3DJboK_y6r4Y-2Fjyz39fUgiIVZvx=
szI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9=
RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ=
1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4=
oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BR=
bvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15=
uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShg=
bQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoU=
sXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn=
1Ne4cuCb8BXmiZU9VMBhxMmumSsv-2BNrq1kUyfKDwk19SapyqttixAMDsx7-2BqW8EBoeeVCCD=
aXOBdol10Nlad2dROvtEvK63Y5bZRw2CwUnmKE8fR3bTTTfPWn6uLUYKuGvozfrCNoBZaVbYapx=
yXENnp5pik3upIl2vDA-3D" style=3D"color: #00819D; text-decoration: underline=
;">SoFi can help you track your credit score</a> and help you take the firs=
t step to financial wellness.
          </td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      </tr>
    <tr>=20
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
        <td class=3D"mobtoppadding0" style=3D"font-size:14px; line-height:1=
4px; padding-top:35px; padding-bottom:0;">
			<a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2F=
FRaRff737Aky4rAxrc34LO-2BohDROSuTx4WRWsokHTv8qukl5clgzL7HsLCQwE-2BClE8CXzKW=
6-2BKSz99xIuq8ZQcjjszShqZI6EEAZY6A9RMeoOWMv2u3ORFKwMukQAOJe9C7f8YEQYYNlZS2E=
M33KD-2Bn3TGoe20EjgzzutbPHPp4c8aXN10va-2F0vZhq6gmOXOr8O3UGQkYogVQGTIc-2FsQS=
l026FOFbhE2Vbj3sx4SOkYGxnOTX1MWYNvQ9epS-2FHP7kRgO2DvkfosVH6WzqXlWgjOhszVK-2=
BiCDj0IwVPLyt9lO2Zxax-2FeCnZUe2eJRShRyq5aiI-2Fj3lcNxT9JT-2BjqfIITupjZGfY-3D=
PBen_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnk=
Nl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3=
ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2=
FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONX=
mXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJR=
P94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr=
0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9=
upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA=
4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU47Xyxqg5aG4F1cAGo0wPLvASheC5qvium=
tyPkqEd8kquoOHiHxEhLXFx8OzyU39tAZpNIgtbmAJ8CRnHk3x-2F-2FtX8Gnq4dw2zTsft52g7=
bbNNsoLANN5HaJ8sddSD8ZRjrk-2BImWphA8NzKkT9OoGO-2Bk-3D" target=3D"_blank" st=
yle=3D"color: #00819D; text-decoration: underline;">
				<img class=3D"fullwidthsub" width=3D"500" alt=3D"piggy bank" border=3D"=
0" hspace=3D"0" src=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/=
uploads/raw/budget-spreadsheet-tablet-desk-phone__SOAD19016_2279971_st_1560=
x880-1.jpg" vspace=3D"0" style=3D"color:#ffffff; text-align:center; vertica=
l-align:top; width:100%;">
			</a>
		</td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
    </tr>=20
    <tr>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
      <td class=3D"mobbottompadding50article" style=3D"color: #717076; font=
-family: 'TT Norms', 'Montserrat', sans-serif; font-size: 70px; line-height=
: 70px; padding: 0px; text-align: left;">&nbsp;
  </td>
      <td class=3D"sidepadding" width=3D"50">=C2=A0</td>
    </tr>
  </table>
  <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspacing=
=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"background-=
color: #ffffff;">
    <tr>
      <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-=
height: 0px; max-height: 0px;">=C2=A0</td>
      <td align=3D"left" valign=3D"top" height=3D"1" style=3D"background-co=
lor: #CCCCCC; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-r=
space: 0pt; mso-line-height-rule: exactly; line-height: 2px;"><!--[if gte m=
so 15]>&nbsp;<![endif]--></td>
     <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; line-h=
eight: 0px; max-height: 0px;">=C2=A0</td>
    </tr>
  </table>
	=09
	=09
  <!-- // Event section -->
<!-- Article 1 -->

	=09

      <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgrou=
nd-color: #ffffff;">

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td class=3D"mobtoppadding50 mobheadlinearticle1" style=3D"color:=
 #201747; font-family: 'Larsseit', Arial, sans-serif; font-size: 22px; font=
-weight: 800; line-height: 30px; padding-top: 50px; text-align: left;">Toda=
y=E2=80=99s top stories</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

		 =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 35px; font-weight: 600; line-height: 35px; paddin=
g: 0; text-align: left;">&nbsp;

		=09

			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

		 =20

		 =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; font-weight: 600; line-height: 24px; text-a=
lign: left;padding-bottom:5px;">A look back at a wild December for stocks</=
td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

		 =20

		 =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; text-align: left;">

			  December was a wild month for the markets, with the Dow hitting record=
 high after record high. Here=E2=80=99s a closer look at what happened last=
 month.
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff735Qxsu6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJNjvqRW3Jib-2Foe-2FhWkd4e80=
tuHSSFh107jgcz80c2BG9E5d6FK1VKLBQyFzC-2FC7IBQersmYYs2ZSL2PsCX9Z-2BF2dC0FZfq=
5PGmEVw8eI3twQw-3DGlnS_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2B=
FSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9T=
rVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8=
GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7Aa=
jVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8=
gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhW=
RjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3es=
GSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6Ts=
rWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUyzVY5-2B5aNniXs=
Dko3VVDWCAPhlJuDPGhXjXJAcKVmnWDr6h5dmnW9cAPbqK1J-2B9JGTN99-2BnCsXsctP3iUely=
DdVoVHZQtl2PmxJ0XvASLaH4A4HQj9WW5I-2Bt-2B3ZIyI5g9PjY5r-2BT0ejfF2woguHRvU-3D=
' style=3D'color: #00819D; text-decoration: underline;'>Read more >></a>
		=09
			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

       =20

		         =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; font-weight: 600; line-height: 24px; paddin=
g-top: 35px; text-align: left;">

			  DEI and ESG are under attack

			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-top: 5px; text-a=
lign: left;">

			Companies are facing criticism over diversity, equity, and inclusion ini=
tiatives, and that could have major implications for companies, workers, an=
d investors. =20
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff735Qxsu6qgTu3mwVd1GBqeyykDJcAfA9HtmLyJOEyTPfB22juSC6kg0rmXeIOgBCuZKt4Ejp=
5Klgu8qTRhM9bpwrc8g5Ym6DokJ0J9JL4vRH0DIZYfdcFPddtTfukYP50B9hi-2FE1yA71IiNfS=
e4PbG-2FI-3D961m_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6D=
CWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj=
0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0=
DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz=
9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGate=
rABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIA=
kbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2B=
zY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1V=
cvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU0SQWRVRTz4W2VQxIVrkmt=
0XVwyh7jM7o3aNsGa-2FZbZb-2FL0mQ0u-2BHvxGAUjUpNUBT3EaJGU6OLQOaB49Vu0M5oZd0eh=
Vp5fVKlSfRsNHnOoC7qgTxkYseMdf-2BFU4-2BPxWahFhcGfft406pQ5cVNWUdPA-3D' style=
=3D'color: #00819D; text-decoration: underline;'>Read more >></a>

			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

		 =20

		 =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; font-weight: 600; line-height: 24px; paddin=
g-top: 35px; text-align: left;">

			How to build generational wealth

			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #717076; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-top: 5px; text-a=
lign: left;">

			If you=E2=80=99re thinking about building wealth to pass down to the nex=
t generation, it=E2=80=99s generational wealth that=E2=80=99s on your mind.=
 So what=E2=80=99s the first step?
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff738U9XURM5Z2e5gvCvZ4evSqF8Zm4xes0H6z4g6STJGRfY4YdqhzFRkhRK7OUHWQKJxe9pMO=
bC1qSJar8bDtGSJNiexMyrmpB06h37Gyf2GaFzguwAkSqJjszHi-2FRX6PEYWFHeNh1-2BXDIbk=
jsiR2ZD1Y-3D_eD3_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6D=
CWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj=
0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0=
DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz=
9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGate=
rABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIA=
kbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2B=
zY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1V=
cvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUyoXgBRof76fm-2FCce9YP=
UZJyrH3wDPOwTy-2F8sQyqg3vVdFsAb8xpF3zRTmADqaREOAA1jzDtuYmkz265Hb2sxQp1h3FkI=
cUh0Vrz1x75u6j8-2BHtJh1Z3hBYWyFzQJXU5DA1oML6smMY6rWvoFur21Z0-3D' style=3D'c=
olor: #00819D; text-decoration: underline;'>Read more >></a>

			</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

		 =20

		 =20

		 =20

		 =20

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td class=3D"mobbottompadding50article" style=3D"color: #717076; =
font-family: 'TT Norms', 'Montserrat', sans-serif; font-size: 70px; line-he=
ight: 70px; padding: 0; text-align: left;">&nbsp;</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

      </table>

      <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgrou=
nd-color: #ffffff;">

        <tr>

          <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; l=
ine-height: 0px; max-height: 0px;">=C2=A0</td>

          <td align=3D"left" valign=3D"top" height=3D"1" style=3D"backgroun=
d-color: #CCCCCC; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; mso-line-height-rule: exactly; line-height: 2px;"><!--[if g=
te mso 15]>&nbsp;<![endif]--></td>

          <td class=3D"sidepadding" width=3D"50" style=3D"font-size: 0px; l=
ine-height: 0px; max-height: 0px;">=C2=A0</td>

        </tr>

      </table>

	=09

<!-- // Article 1 -->

<!-- NSBN -->



<table bgcolor=3D"#00A9CE" class=3D"fullwidth nsbn" width=3D"600" cellspaci=
ng=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgroun=
d-color: #00A9CE;">

	<tr>

		<td class=3D"sidepaddingnsbn" width=3D"40">=C2=A0</td>

		<td style=3D"padding: 60px 0px">

			<table cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#ffffff" style=3D"=
background-color: #ffffff; border: 1px solid #FFFFFF; border-radius:20px; w=
idth:100%;">=20

<tr>

  <td class=3D"sidepadding" width=3D"40">=C2=A0</td>

  <td class=3D"mobpadtop50" style=3D"color: #201747; font-family: 'Larsseit=
', Arial, sans-serif; font-size: 24px; line-height: 32px; font-weight: 700;=
 padding-top: 60px; text-align: left;">Other&nbsp;news&nbsp;that&nbsp;caugh=
t our&nbsp;eye</td>

  <td class=3D"sidepadding" width=3D"40">=C2=A0</td>

</tr>

<tr>

  <td class=3D"sidepadding" width=3D"40">=C2=A0</td>

  <td class=3D"mobpadbottom50" style=3D"color: #330072; font-family: 'TT No=
rms', 'Montserrat', sans-serif; font-size: 16px; line-height: 24px; padding=
-bottom: 70px; padding-top: 25px; text-align: left;">

	<ul style=3D"margin-top: 0; margin-bottom: 0; padding-left: 18px;">

	 =20

		<li><span style=3D"color: #717076;">

		  A U.S. labor agency accused Elon Musk=E2=80=99s SpaceX of  <a href=3D'h=
ttp://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff739LT15Rc=
6of5x31jxfVOa9E63zEkW8NU2VHJyzuMtbqa8fZupAC72zw2VrIhppXDpRn-2BBE6C-2BsDXTh0=
oBiHn6jeuJGAHR7PxZzUZKhjZEGXeQcWeGT81-2Be0QQGDJxbKGDjvZnMiDzZnhssM2QquZTtf7=
wGai3BCmO0CVokhGlJklkCrz_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf=
2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX=
9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBV=
N8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7=
AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKT=
Z8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDOD=
hWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3=
esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6=
TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU-2BGHAtteNcmm=
XTc9PLhoRy5Zbjpi0r9vTFrBrKGoy0Dh3jai6uXwsTV2uvRN2p9yEDnbXIrSpGQNqHxHlzjgDxJ=
X1N0kAcrrJ5U-2FeRvIeeCHsySwEofLslf5amJcLQB7LqpWn4T20P798sGQ-2Bp8iNZI-3D' st=
yle=3D'color: #00819D; text-decoration: underline;'>illegally firing eight =
employees</a> over a letter calling Musk a &quot;distraction and embarrassm=
ent&quot;.

		  </span></li>

	=09

	=09

	  <li style=3D"padding-top: 10px;"><span style=3D"color: #717076;">

		  Eli Lilly launched a website enabling patients to <a href=3D'http://abl=
ink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2FCKv18978-2Fvv=
Xd19WMJHfGaC-2Fg1edNcTnGOwcLZxuUsFboEeB5hsgIIHuZZHYxxEAOkdbR5r8P1FbttsZYax0=
uxFNtt5EqemNF14aUNgqnVvlmhQt6OFCrENLAm6X7N9Q-3D-3DYAjU_y6r4Y-2Fjyz39fUgiIVZ=
vxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgs=
w9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2B=
CJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55X=
F4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2=
BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh=
15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zS=
hgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHR=
oUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrT=
mn1Ne4cuCb8BXmiZUwzzrDjnpj-2FPPypbhI0Fcnncy9-2FEadG4XtcfvKBHznl3uzC1oxtmWPu=
UpOWVwA0sQffeEMurMACZlNHLPwWV4CbP25IXyQ0-2B9iYTsWGkcdNLbYhTq8bDyIuCXrmgQJnk=
f8aRvwjbYMRLhezhUNbiGaA-3D' style=3D'color: #00819D; text-decoration: under=
line;'>get weight loss drug prescriptions</a> from telehealth providers.

		  </span></li>

	=09

	=09

	  <li style=3D"padding-top: 10px;"><span style=3D"color: #717076;">

		  Microsoft will <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D6=
2LepVu039-2FQ-2FFRaRff739fqP4q5ro8n5OXHvahRo-2Bul9rhOGnr0nyhw-2FRAjUubW-2B2=
bL-2F7frz-2Fj0n0N8EBlwS8Qbp-2Fqp9nyDCWvRrf0KCfc-3DPxCv_y6r4Y-2Fjyz39fUgiIVZ=
vxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgs=
w9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2B=
CJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55X=
F4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2=
BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh=
15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zS=
hgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHR=
oUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrT=
mn1Ne4cuCb8BXmiZU5dNjsKYl0TJUIgY3zax216-2BKKW0ka1aqAXF-2BybYtiUmx4ZRA-2FKs0=
dgm9EruA357rqyPNt6-2FA4XYZTuNdw73zS4mLTWqdC0rMthdCc7gWh5OcFmZceHDsXZ-2F384N=
S71jP5K6cGZQyt0ACuCePkOFseA-3D' style=3D'color: #00819D; text-decoration: u=
nderline;'>add an AI Copilot key to the Windows keyboard</a> to help users =
answer general questions, summarize web content, or change system settings.


		  </span></li>

	=09

	=09

	  <li style=3D"padding-top: 10px;"><span style=3D"color: #717076;">

		  <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2=
FFRaRff73z9-2FDuExyWNxTDQ-2BSEpVp9EQJ-2BmbVwvzTmqYK4ekn4oVhaZXwV2ZED0QSnOWN=
PrV67SjVkpMh-2BbTmqrvGKqorhxbCyxezsezGW0GxPxgUI-2BzLyIC_y6r4Y-2Fjyz39fUgiIV=
ZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwg=
sw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2=
BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55=
XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-=
2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeou=
h15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4z=
ShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwH=
RoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrr=
Tmn1Ne4cuCb8BXmiZU5w-2BdjMsAjKZ0or4vdgXlJFFXtJ0NeIktRcn7nWMyECkg8y1dJoSoAlQ=
jZJzGKdrvIAFqNLrorPT85HZWEW8UjH2fGTh2ffQsBKjLJXE7RIJnDt4r4AuN-2FrPNE48pcA6P=
6CQ5nies40cKWwYZHvuVIM-3D' style=3D'color: #00819D; text-decoration: underl=
ine;'>U.S. flight cancellation rates fell below 1.2% in 2023,</a>  the lowe=
st level in 10 years.

		  </span></li>

	=09

	=09

	  <li style=3D"padding-top: 10px;"><span style=3D"color: #717076;">

		  Apple <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039=
-2FQ-2FFRaRff733SZbKtN4dgTc7iSV9G58-2BUCV0yDbwdrKTYUrAh7EwKTyHcgb9YrHBKJ3lv=
cxCbRmegql4mD9Z2TKgyMgijtDM54aZr0cF8nCnvE2EhaIHScqi7oFz0OCvodPsy4fnwhImn-2F=
laIsq1YIDI2CUgAFIcT9q86i3-2F3eZ8DqgRKzdf69i-2BvmcWED4jZvv-2BY-2FSKzEsrK3gkP=
UEU7-2BJtDqjIrs6DA-3DAVUZ_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1c=
f2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemf=
X9TrVeKcj0LF2qXLonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puB=
VN8GNUrv0DiG2snNLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh=
7AajVJpHz9VbzvWDbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncK=
TZ8gMGaterABa4V2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDO=
DhWRjYGIAkbABdfmmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i=
3esGSn-2BzY9bjLh-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR=
6TsrWfc1Vcvwpr07pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUw-2FPuRlyhEO=
885vGYvK6ksVatK97AJBT94SsTWiigzuXo9c5VKG5nR5QmmV6o9mX0S2gV3UnvHsvE-2BsvH3J2=
TRf1d-2BC6QHJF-2Bq2xD89BF-2FLaYoOMRM6GTet6BJmfyngZq70ugLboXElukz-2B9u2RHZbM=
-3D' style=3D'color: #00819D; text-decoration: underline;'>received its sec=
ond analyst downgrade this week</a> over iPhone sales concerns. The company=
 has lost more than $150 billion in market value so far this year.


		  </span></li>

	=09

	=09

	=09

	=09

	</ul>

  </td>

  <td class=3D"sidepadding" width=3D"40">=C2=A0</td>

</tr>

			</table>

		</td>

		<td class=3D"sidepaddingnsbn" width=3D"40">=C2=A0</td>

	</tr>

		</table>



<!-- // NSBN -->

<!-- Quote -->

	=09

      <table bgcolor=3D"#ffffff" class=3D"fullwidth" width=3D"600" cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgrou=
nd-color: #ffffff;">

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td class=3D"mobpadtop50" style=3D"color: #201747; font-family: '=
Larsseit', Arial, sans-serif; font-size: 24px; font-weight: 700; line-heigh=
t: 32px; padding-top: 70px; text-align: center;">Financial planner&nbsp;tip=
&nbsp;of&nbsp;the&nbsp;day</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #201747; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 20px; line-height: 32px; padding-top: 15px; text-=
align: center;">=E2=80=9CIf it works with your income, the 50/30/20 budget =
is one simple method for people starting to reorganize their finances. This=
 budget allocates 50% of your income for essentials, like rent and bills, 3=
0% toward personal day-to-day spending, and 20% for savings or financial go=
als.=E2=80=9D</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

        <tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td style=3D"color: #A5A3AA; font-family: 'TT Norms', 'Montserrat=
', sans-serif; font-size: 16px; line-height: 24px; padding-bottom: 20px; pa=
dding-top: 35px; text-align: center;">=E2=80=93 Brian Walsh, CFP=C2=AE at S=
oFi</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>

      </table>

	=09

<!-- // Quote -->

<!-- Three squares  -->

        <table bgcolor=3D"#FFFFFF" class=3D"fullwidth" width=3D"600" cellsp=
acing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center" style=3D"backgr=
ound-color: #FFFFFF;">
<tr>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

          <td class=3D"mobpadtop50" style=3D"color: #201747; font-family: '=
Larsseit', Arial, sans-serif; font-size: 24px; font-weight: 700; line-heigh=
t: 32px; padding-top: 70px; text-align: center;">How&nbsp;did&nbsp;you&nbsp=
;like&nbsp;today=E2=80=99s newsletter?</td>

          <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

        </tr>
		=09
        <tr>

            <td class=3D"sidepadding" width=3D"50">=C2=A0</td>

            <td valign=3D"middle" style=3D"padding-top: 40px; padding-botto=
m: 65px;">

				<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
					<tr>
					  <td>
				<!-- Row 1, Col 1 -->

           =20

            <table class=3D"fullwidthsub" width=3D"154" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" align=3D"left" valign=3D"middle" style=3D"flo=
at:left;">

                <tr>

					<td>

					<table class=3D"mobwidth260" width=3D"154" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" align=3D"center">

						<tr>

					=09

							<td style=3D"background-color: #ffffff; border: 2px solid #00A2C7; b=
order-radius:20px; width:100%;"><table class=3D"fullwidthsub" width=3D"150"=
 cellspacing=3D"0" cellpadding=3D"0" border=3D"0" style=3D"">

								<tr>

								  <td valign=3D"top" style=3D"color: #201747; font-family: 'TT Norm=
s', Arial, sans-serif; font-size: 17px; font-weight: bold; line-height: 28p=
x; padding: 25px 15px 25px 15px; text-align: center;"><a href=3D"http://abl=
ink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BFo3ODGoJg0KZy=
tQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvWhXyl3m6kzpU60-2BpllGqw=
8-3Ds_YN_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLo=
nPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNL=
rU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDb=
MONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2q=
GhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmm=
kqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-=
2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07p=
LLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU3-2FlaXlBQqWyIpHPu-2B7GDE-2B4=
lV7Ic1atd-2FCpyHOUc17W1GVGDWMMqIugIa4xmttYyoGFoajiqWm-2FjslZe-2FTcQUdr9HFO3=
4Wja5blM7Ce7Byf2PUIisy0wPMEMEYJ4rJuAJUufhlqH24hjJGJh60xOjI-3D" style=3D"col=
or: #00819D; text-decoration: underline;">=20

									  <img src=3D"https://appboy-images.com/appboy/communication/asset=
s/image_assets/images/616df1741a29ea0796737fbf/original.png?1634595188" alt=
=3D"smartphone" border=3D"0" hspace=3D"0" vspace=3D"0" style=3D"vertical-al=
ign:top;" width=3D"80">

									</a></td>

								</tr>

							=09

							  </table></td>

							</tr>

						</table>

					</td>

              </tr>

              </table>

				<!--[if mso]></td><td><![endif]-->

				<table width=3D"19" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" al=
ign=3D"left" class=3D"fullwidthsub" style=3D"float:left;">

				  <tr>

					<td style=3D"font-size: 30px; line-height: 30px; ">&nbsp;</td>

				  </tr>

				</table>

				<!--[if mso]></td><td><![endif]-->

				<!-- Row 1, Col 2 -->

           =20

            <table class=3D"fullwidthsub" width=3D"154" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" align=3D"left" valign=3D"middle" style=3D"flo=
at:left;">

                <tr>

					<td>

					<table class=3D"mobwidth260" width=3D"154" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" align=3D"center">

						<tr>

					=09

							<td style=3D"background-color: #ffffff; border: 2px solid #00A2C7; b=
order-radius:20px; width:100%;"><table class=3D"fullwidthsub" width=3D"150"=
 cellspacing=3D"0" cellpadding=3D"0" border=3D"0" style=3D"">

								<tr>

								  <td valign=3D"top" style=3D"color: #201747; font-family: 'TT Norm=
s', Arial, sans-serif; font-size: 17px; font-weight: bold; line-height: 28p=
x; padding: 25px 15px 25px 15px; text-align: center;"><a href=3D"http://abl=
ink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BFo3ODGoJg0KZy=
tQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvc0D7R-2FMLkVK8LS9x136c4=
Y-3DbYcG_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qXLo=
nPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2snNL=
rU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvWDb=
MONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V2q=
GhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdfmm=
kqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjLh-=
2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr07p=
LLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZU1Sin2UAJEz-2Bc4n1jMRUXpuBuf8o=
YqdI1K2rOLUwSiHSSDx1sz0Et61VsURfT03fkNAGOyeuoR7b9zQZxYwmIMb-2BSvWcdKUvRIfhF=
KjPRrl35x-2FST5GwUZZQQVpvmM0OxHeenjRuLDmIRMKUohOi1vI-3D" style=3D"color: #0=
0819D; text-decoration: underline;">=20

									  <img src=3D"https://appboy-images.com/appboy/communication/asset=
s/image_assets/images/616df174b30d556c5b7d06ce/original.png?1634595188" alt=
=3D"smartphone" border=3D"0" hspace=3D"0" vspace=3D"0" style=3D"vertical-al=
ign:top;" width=3D"80">

									</a></td>

								</tr>

							  </table></td>

							</tr>

						</table>

					</td>

              </tr>

              </table>

				<!--[if mso]></td><td><![endif]-->

				<table width=3D"19" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" al=
ign=3D"left" class=3D"fullwidthsub" style=3D"float:left;">

				  <tr>

					<td style=3D"font-size: 30px; line-height: 30px; ">&nbsp;</td>

				  </tr>

				</table>

            <!--[if mso]></td><td><![endif]-->

            <!-- Row 1, Col 3 -->

           =20

            <table class=3D"fullwidthsub" width=3D"154" cellspacing=3D"0" c=
ellpadding=3D"0" border=3D"0" align=3D"left" valign=3D"middle" style=3D"flo=
at:left;">

                <tr>

					<td>

					<table class=3D"mobwidth260" width=3D"154" cellspacing=3D"0" cellpaddi=
ng=3D"0" border=3D"0" align=3D"center">

						<tr>

					=09

							<td style=3D"background-color: #ffffff; border: 2px solid #00A2C7; b=
order-radius:20px; width:100%;"><table class=3D"fullwidthsub" width=3D"150"=
 cellspacing=3D"0" cellpadding=3D"0" border=3D"0" style=3D"">

								<tr>

								  <td valign=3D"top" style=3D"color: #201747; font-family: 'TT Norm=
s', Arial, sans-serif; font-size: 17px; font-weight: bold; line-height: 28p=
x; padding: 25px 15px 25px 15px; text-align: center;"><a href=3D"http://abl=
ink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BFo3ODGoJg0KZy=
tQSB4s6OogQyh8J0t3tL-2FMqZBai7qWWeFs92bjCEONSFB0-2Bc9yCt-2B5yeLR0AURdZIv5h5=
Xr0-3DY3x__y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rw=
b8lAnkNl5-2FWAUTS0rtKWQxACAtwgsw9RXulug9gY3rivK0Vq55TXUBoemfX9TrVeKcj0LF2qX=
LonPb3ACJ2Z-2FQalE6r1kff9E2H-2BCJ1QXKgrlD1xtNe7-2B3-2FZx1puBVN8GNUrv0DiG2sn=
NLrU-2FcAo9YfRoXzYd7XPc-2BwS55XF4oBxpQQvidSH9Sf5-2FCckd2R0Xh7AajVJpHz9VbzvW=
DbMONXmXJUwoN1XZazzbXVe38YmTX-2BRbvQYnH4icr6WsHSPk30EcBMcncKTZ8gMGaterABa4V=
2qGhJRP94Ex1KTZUu6U-2BYn2iHeouh15uuNIAyJj524JQN5jj92a-2F0sDODhWRjYGIAkbABdf=
mmkqEr0XWDLPnRm0o8og-2B0QH1y4zShgbQ3sE4qka4IVL-2BZ86Sxgxt24i3esGSn-2BzY9bjL=
h-2By9upYZgzc65eM0pTK1-2B2ARwHRoUsXaELWuThnV1xj-2FIdsDezwGiR6TsrWfc1Vcvwpr0=
7pLLoA4Bu-2Bpj89wv5BL2JPI62yrrTmn1Ne4cuCb8BXmiZUyiuJwaCqcPCRZnyRIB-2BTLjEwF=
KYMIv2QKGJNOSCV5NLXKD8NulX5BwlCBSHDntEzhjAfYLI-2B8WOVhVnOrLkDPb2nd0A-2Ba6qU=
gWoadMcNbZvbeV0XqCpkKWQbKJ3YFFgRcMuixr6HPxtmy9k-2FpjAHMk-3D" style=3D"color=
: #00819D; text-decoration: underline;">=20

									  <img src=3D"https://appboy-images.com/appboy/communication/asset=
s/image_assets/images/616df174d5904c20eae7d286/original.png?1634595188" alt=
=3D"smartphone" border=3D"0" hspace=3D"0" vspace=3D"0" style=3D"vertical-al=
ign:top;" width=3D"80">

									</a></td>

								</tr>

							  </table></td>

							</tr>

						</table>

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