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Subject: =?UTF-8?B?8J+Xuu+4jw==?= This is the key to housing affordability
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Zones laws are at the heart of the housing affordability crisis
in America. But there=E2=80=99s an effort to get more transparency.

































































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Please do not respond to this message.                      SoFi
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38,612.24
(+0.13%)
S&P 500   4,981.80
(+0.13%)
Nasdaq   15,580.87
(-0.32%)
Toll Brothers (
http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN=
3a-2BXSFp-2Fn-2FdrITtY0t6Ai68VCrsi6V-2BDu4Yflk7UvGNP6-2BnfnUjjAEs-2FZhdkgVx=
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CGBa8sKsZ1VjjB-2ByJh3tPNedyPwfj4-3D
)   $107.64
$4.09
(+3.95%)
Teladoc Health (
http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN=
3a-2BXSFp-2Fn-2FdrITtY0t6Ai68VCrsi6V-2BDu4YflK9PqFM7oWiJAs5hBJuPi4sy42V6XvD=
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6PC-2BLCVdyuXhTc-3D
)   $15.64
-$4.85
(-23.67%)
SolarEdge (
http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN=
3a-2BXSFp-2Fn-2FdrITtZpob2bfaGEDZK0uEijc39ZMJNh2LcC35wNRjQQU-2BjXhTQyJaYl2H=
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DZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptG=
RmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAts=
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RsBZ9xxX1J8L8n-2B7QKtIOFTWV3x42guH58nd8mg9DwwbDfpqUXQaHHH85tlBw09AqYt81lu5F=
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4Uy2hwySpqif-2BIcLwb8WMClUjA-3D
)   $74.14
-$10.28
(-12.18%)

( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff7310cJ=
xbY60MzEBVpoPRcn4FMIDOS-2Bbn3cPpa3Q5912UsOdImTr3cLwBkpQi7gQQ02YqTaIGULz9Zkr=
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hRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuK=
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tgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2Fu=
TSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAP=
zbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk=
03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKj2kg3udpub23Y4tqtdCJuBN9s7zqRbd4BHWgrV3mvA=
IyXqWEycsM9UpomzAMuNYAEl8mK4FmI3PDfAdeQ0Q9I5XPi4byv5HOYlXHqpP242LIj5LHqFg7Z=
Nq1sQLDE5zdkZY-2BdBGrHEz2vt9pAZXq24-3D )
         Meet the research project
that could save America=E2=80=99s housing market        The National
Zoning Atlas wants to compile all of America=E2=80=99s zoning rules into
one database. Why does this matter? Zoning rules are at the heart
of the nation=E2=80=99s housing affordability problem, and getting more
transparency might help provide a solution.
Read more >>=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
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zkLdiSbSlagzpvfueICyFWFdacDQew0P5PLYC0SV4IKSEDl-2BP8DfyhmrmGQHRrFQLSSWQkRwf=
94-3D )
         piggy bank=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
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-2Bqp5EA-3D )
  MARKET RECAP
US stocks were mixed on Wednesday as investors digested the Fed=E2=80=99s J=
anuary meeting minutes

<ul> <li style=3D'padding-bottom: 15px'><strong>The minutes suggested optim=
ism</strong> about the progress made on inflation, but members of the Feder=
al Open Market Committee remained cautious about cutting interest rates too=
 soon.</li> <li style=3D'padding-bottom: 15px'><strong>In earnings, shares =
of cybersecurity platform Palo Alto Networks plummeted 28.4% </strong>despi=
te beating expectations, after issuing lower-than-expected guidance for the=
 upcoming quarter. Virtual healthcare provider <strong>Teladoc Health</stro=
ng> saw its shares tumble 23.7% after missing revenue expectations and fore=
casting first-quarter earnings and sales below estimates. <strong>SolarEdge=
</strong> stock fell 12.2% after missing top- and bottom-line estimates and=
 issuing weak guidance due to lower demand and stress from higher interest =
rates.</li> <li style=3D'padding-bottom: 15px'><strong>Shares of luxury hom=
ebuilder Toll Brothers climbed nearly 4%</strong> after it beat estimates w=
hile projecting strong demand in 2024. </li> <li style=3D'padding-bottom: 1=
5px'><strong>After the market close, chipmaker NVIDIA posted record revenue=
s</strong>, up 265% year-over-year, thanks to strong demand for AI.</li> <l=
i style=3D'padding-bottom: 15px'><strong>Walgreens Boots Alliance slid 2.5%=
 after losing its spot in the Dow Jones Index</strong> to Amazon. The chang=
e will take effect next week. Amazon stock rose 0.9% Wednesday. </li> <li><=
strong>The 30-year mortgage increased nearly 20 basis points</strong> from =
the previous week to 7.06%, its first time above 7% since early December. M=
ortgage and refinancing applications both fell about 11%.</li> </ul>


What to be on the lookout for today
<ul> <li style=3D'padding-bottom: 15px'><strong>It will be a busy day for e=
conomic data,</strong> with the January Chicago Fed national activity index=
, existing home sales for January, February PMIs, and weekly jobless claims=
 due. </li> <li><strong>In earnings</strong>, Block Inc, Dominion Energy, T=
urboTax-owner Intuit, Keurig Dr Pepper, Live Nation Entertainment, and Mode=
rna will report.</li> </ul>




  Making
sense of layoffs in the strong U.S. labor market        The
post-pandemic recovery of the U.S. labor market has by and large
been a story of strength. Case in point: The unemployment rate is
at a historically low level (3.7% in January), and the economy is
adding jobs every month (353,000 last month).

Sounds great, right? Not so fast. There=E2=80=99s also a lot of news of
layoffs. Job cuts are common, and often follow the business
cycle. But is there more at play?

As so often when it comes to the economy, the devil=E2=80=99s in the
details. With a working-age population of more than 200 million
people, not all parts of the U.S. labor market are doing equally
well. SoFi Head of Investment Strategy Liz Young explores what=E2=80=99s
going on.=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
u6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u74jc6x3orDmXhn=
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OZPUcQ61QV1lM4uLZG-2B4tnHZQHEEGTx_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L3=
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aSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7=
QKiJfTsftGQJ-2FNymi-2FEXO3hGKOq1qAHYp2Hc2z2Z4PFvzstytOGqSCb-2FRwwCIs7v67sJw=
QIILkaHNZYUciB6ktzpiZIXCPalgnBW2J5iStTrk4v0RJzfJeKZKNkAneJnrHQieUNaAAUs-2Bo=
JkKoTxHg1o-3D )
         piggy bank=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs=
u6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u74jc6x3orDmXhn=
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ACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMD=
UInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG=
6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKT=
ZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgI=
XpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSe=
YewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbC=
H63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03g=
gcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKsb4Gh2c0NAqP6DE3ZtMWM34ilzbcMnyKXizB6Ae5kkHZq=
OZZhiEIXuuvuzpnUX94JYd0dhHpqZxyoQk-2FnvmXKfAkF62JWe6kNVTVsdeu5uAPusngY99DSR=
orPj2R2Ofq1C1zX5RLVBDDCzovGbz9D0-3D )
 =20
Today=E2=80=99s top stories


Food hasn=E2=80=99t taken this big of a bite out of your budget in decades


Groceries, eating out, even snacks, haven=E2=80=99t taken up this much of y=
our discretionary spending since 1991. <br /> <a href=3D'http://ablink.dail=
y.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxsu6qgTu3mwVd1GBqeyykD=
JcAfA9HtmLyJOEyTPfBuBOtyKWkUY5G0Be7YZEeDBeCbH4Ck-2BXrmJiKLVGTPJNgr1h-2BRwb2=
xtIorL4D8RejbG515k6wJEIEgFbwmfxj9kITJ-2F-2B8bMfs03f9wR6mc-2Fz6rkxFpiautY5MR=
ZxfE-2FQjbi_9_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR=
6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6d=
ee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FT=
ytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb=
2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSD=
bP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNV=
PLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4=
DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B1=
5HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKiz3tnfaqtySQCMjcLo=
10AiZBgm0FdLDj3xk8sCGA48-2FGzUuH-2B4BYm4HkisTqCLrqCdSl6PeQpKR8Y0N71vG94RklH=
ZAuFtuzOaKWhBiumaoUdb1J6FpxQjilUD8RmSpy9rdTjdxAAqcX-2FYr7T6VDLU-3D style=3D=
'color: #00819D; text-decoration: underline;'>Read more >></a>


Another kind of return to office =E2=80=93 converting them to apartments
We=E2=80=99re looking into what=E2=80=99s going on with the push to convert=
 vacant office space into apartments, and the issues the movement is runnin=
g into. <br /> <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62Lep=
Vu039-2FQ-2FFRaRff735Qxsu6qgTu3mwVd1GBqeyykDJcAfA9HtmLyJOEyTPfBQH8vC5diy6oX=
AOZdpHMALq4tIaN1RXwcpJ4pwaIZLNwueMTSGt5ey2mklbBHdJEXAKanUyeQlSgdz6dTDccDSD-=
2FDvtokal2-2B-2BWn-2FvHcYYsBUUkG-2BFdEXO1XQRNDFklrWrWbI_y6r4Y-2Fjyz39fUgiIV=
ZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqf=
DbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg=
-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz=
8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2H=
WptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2=
FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJ=
GI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi=
0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3=
T-2FRsBZ9xxX1J8L8n-2B7QKqbsMCU8BSa-2BL0yo5T5hHUc634gwggXOd23-2ByrdExmOUoqu9=
T2C4RTQfjHjbkakjwdDuo12IeuEZV2VK3HWspYWAKLY4cuHvqTMzROs4r9BVyXli28A-2BJEYAf=
mfLIRR6Hk3nd8NNf8u9nfmHCUh-2FYnk-3D style=3D'color: #00819D; text-decoratio=
n: underline;'>Read more >></a>


Get ready for your first home with these tips
Are you planning to put down roots this year? Here are 12 tips for first-ti=
me homebuyers. <br /> <a href=3D'http://ablink.daily.sofi.com/ls/click?upn=
=3D62LepVu039-2FQ-2FFRaRff738U9XURM5Z2e5gvCvZ4evSpTH0s1DzH4CFKWSE-2Byp3nQ5l=
73Ar6oVu7BauvkB3pPk2f98p3-2FADqkk7glVZgOBzuqBujHTfGxPP0Ir454tANsd4hIN2K1tDE=
j4O2qFYbkgQ-3D-3DR4iv_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BF=
SLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW=
38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms=
3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2F=
R1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn=
1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7=
V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2Bslds=
YRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4=
w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKmi3xW2nwVG=
8luM9YPIKqUiG3b5iCCVLaSXROlu9AgZy3I9oBk1RCZngj-2B5p7Xs-2B-2BwiNF9ux0jSFU1RL=
sI7hZ3yy-2FCHD-2F2Lh-2FweiPjN-2FtT1-2Fzoln9vMwk-2Bk-2Fo3Mb-2FwQSWeq2ovN-2F6=
2j3U5O2VsdZ0Ao-3D style=3D'color: #00819D; text-decoration: underline;'>Rea=
d more >></a>





          Other news that caught
our eye         *
The Biden Administration announced the automatic <a href=3D'http://ablink.d=
aily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff730mJPpFThZcBRmyY7PCmKY=
qtMi-2FVGxGrBH6s8nBxeDYQG5PbNiTI-2F-2FeS6kDt1NsqNWbpbYvINlNhkoetyvhGH-2FCM2=
LPVbQxSBNGyvZMVWyGzlD5zRNo-2BoZnTJ89LfPiNW5LkX2Yz5XkQhRWr0BkmxwI-3D-urb_y6r=
4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWA=
UTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMab=
kFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4=
ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2=
F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2=
FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczb=
FZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLs=
qniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboAS=
JS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKlsHIi61DKcppgXdcYHnQGYEoUOSpcPYNqc8=
I02TwOAOguEctCLzumncYpNXT9KQ4UBU-2B7642FtqOXl0neByYvHd2GAhd-2BxteLBZMTkB3Dq=
IJIebNcoNjAAfGwCsdzg2IgeD5uzHwtL2ufmjmB3APsA-3D style=3D'color: #00819D; te=
xt-decoration: underline;'>cancellation of the federal student loan owed by=
 nearly 153,000 borrowers</a> who are enrolled in the government's SAVE pro=
gram. Those eligible for the debt cancellation borrowed $12,000 or less for=
 college expenses and have made payments for at least ten years.

*
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff73-2FCKv18978-2FvvXd19WMJHfEWUj0mEqcjXVT-2BwwFQZM7IyeWArxvpMorwC-2Bx5SLX=
CO6E7ZuokqN-2BPTjGQIXng2NU9MSfxqERudhy8D6CzLKEX-2FzeJO-2FXO1lHx0W1LzZDnOA-3=
D-3DBgBO_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2=
BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdK=
cCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSm=
KwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2B=
fv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9=
URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5w=
tG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hrut=
IH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKuyIFcJ2t8V3-2BzZADTy8Ly=
gS01gKZF7J1ahbHjcL6Q1W52Rirx-2F-2BB2hJJkV-2BUiFx5rockOkY3ay4msLFUdULpzNhOe3=
ExIjg9fx1jaZRdR8-2B0dz8V8-2BzTVq9fG2k8XcLsrHokhbZ42wFiAiV3NLMuxE-3D style=
=3D'color: #00819D; text-decoration: underline;'>Beyond Meat will launch a =
new plant-based burger</a> this spring, hoping to appeal to more health-con=
scious consumers with less sodium and saturated fat.

*
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff733zom4avGS2tzmaqqnWOBZXp3KIecHXuy0cQzBKRpoq8hQmSzNtX3ZGEvHIlsKn2IVUDG5Y=
s3jINw0JeY5Z-2BCqtM2uqooUbiwKeD29YVxQ1V5Z3zi1Vs7Eko0QTowuHnzMDi-2BMp1Dhpdfu=
a2KLRMtVc-3Drfwd_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6D=
CWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5O=
V6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-=
2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKi=
uBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2B=
JSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3=
XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJo=
rN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh=
8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKkAX1eOciMh8mnlG=
VwGXDdzJOG9FQ4VFNEJriGKozFG11SGujM0BnazAKUPmHd4N34MqpCbJtWbLv4HSBMhdAn7C0ZA=
afZSpK0ZM1oj77oFXsfsx-2Be3NjC2RchIMTlgTvBJfOOmq4M5BtSHW3PNcn1I-3D style=3D'=
color: #00819D; text-decoration: underline;'>FuboTV is suing to block the j=
oint venture</a> between Fox, Warner Bros. Discovery, and ESPN-parent Disne=
y to create a new sports streaming platform.

*
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff730uNro7N-2FgBv-2Fwvjxrzo7RT8BUe2i6IZgn60tCitGQ7PqlEqyk9KQhzl8EeDAnZDpJ4=
nNRp2QA77fuc6emDeXYDWJdaJ8PQZ4bcAVh5aAFW9uFfdop1eSWfTVWpbih9DTw-3D-3DCZV6_y=
6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2F=
WAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhM=
abkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDs=
n4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K=
-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4=
-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXc=
zbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6o=
LsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbbo=
ASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKgRemhlICctOiBZ1YSa7Q6wWkwXNwXjQgZ=
g4xu58FI9ED16-2BxRY0gPiTmRbXcGyQ50-2Fu8eZRLOBLQSpsE8fAk5IqKa-2BR3-2BNLYdjlO=
C1qeeLPKcGwzxB84TYhWbi6OjM7XZnkHnnwJd21K3OVtXew4P4-3D style=3D'color: #0081=
9D; text-decoration: underline;'>Apple launched a new sports app</a> for us=
ers to check scores, stats, and betting odds across several major sports le=
agues.

*
Delta Airlines=E2=80=99 special flight <a href=3D'http://ablink.daily.sofi.=
com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff731BvEPAfcaqILXxgR5l3HVNKzwqpl8kt=
d-2F-2FED7mShpv3BPPvmMoZCuHKIVQt8cl9OrKABDzBprTXhAS2Q5fLs3UUfmDUs4iNipGynDR=
xYp-2FSX22i_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6r=
wb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee=
5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTyt=
kdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2B=
JSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP=
-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPL=
Ej9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQ=
l5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15H=
rutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKse6tM9cxFKaiZeSnO1Ro=
NCmua9PAQGvzY9Xd4tAtnEUumCO3xDq-2BIIX5rhkHhvIKsZugmHY55hGMsMS1-2BxrstVUBNXf=
PKCEfgydWhuBCiD5XIgCzCyvZDyTWtnD4j2JKbN5hhqi7KokAYQev7Xyzoo-3D style=3D'col=
or: #00819D; text-decoration: underline;'>to view the total solar eclipse</=
a> has sold out already.





     Financial
planner tip of the day       =E2=80=9CThe 70-20-10 rule is a way to allocat=
e your monthly income into three categories =E2=80=94 living expenses, savi=
ng and investing, and debt repayment and donations. Using these categories =
can help organize the way you think about your income =E2=80=94 how it come=
s in, and importantly, how it goes out. It=E2=80=99s a simple and often ver=
y successful way to get a personal budget in place.=E2=80=9D
=E2=80=93 Brian Walsh, CFP=C2=AE at SoFi
       How did you like today=E2=80=99s
newsletter?                   smartphone=20
( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF=
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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 />

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				<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;">Zones laws are at the heart of the housing affordabilit=
y crisis in America. But there=E2=80=99s an effort to get more transparency=
.</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">

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</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;=
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=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;=
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</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:=
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        </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_thursdaybg_desk.jpg"=
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: url('https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/dail=
y_thursdaybg_desk.jpg'); background-position: top left; background-size: co=
ver;">
<!--[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_thursdaybg_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;">Thursday<span clas=
s=3D"mobshowinline"> =E2=80=A2</span><br class=3D"mobhide">

                                        <span class=3D"mobfont12" style=3D"=
font-size:18px;">FEB 22, 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;">38,612.24<br>

                                          <span style=3D"color: #0EA800; fo=
nt-size: 14px;">(+0.13%)</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;">4,981.80<br>

<span style=3D"color: #0EA800; font-size: 14px;">(+0.13%)</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;">15,580.87<br>

<span style=3D"color: #E03E52; font-size: 14px;">(-0.32%)</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-2FdrITtY0t6Ai68VCrsi6V-2BDu4Yfl4Q3K78uLoCP=
m-2FC-2B-2FDb-2BUK-2BXywqjpNm4Oy3q7OQJr-2BFbI3Wt2q83xYlhMKeAwPkx-2FpJqWEngU=
ZsAix6Fx3fkk2k88eep-2F7-2FUVybbzYqZAOeubcMp7HkJziIu-2FFzN0Pk1eHGsxG4AfW-2FE=
aQ98ttPJ55Ug6oQDlueyvOiS1n7SrNw2Ad9eHarBw9LuyBfIrCWqpdX6bTI9vK0gc2gKPEElD3y=
44MhvHwWPr3IHKqyLp86Z3QBYCCNmdEBanQ5RKMvKvO6-2FMW1rJKJEPx9zJUDWDWBaYxgfFySR=
aR-2B1XMWRiwdPctR-2FJkx8vOxBLWTJABSr0U7dWj28gLUIECDvTQ6lr9jsEvxNBEvX0Ffd8-2=
BrlAyHz2iOAQbDUraNDjMKtqkVhrQvmmLvvjjIwk6f1pkFl5q56AYCjzW9UsbbGm2R3-2F2vgfs=
jGpVTE3PhRL-2FqOpPZabUtp1s5zDeHy3AH-2BSh51YZ5sH0LcNaV2wmJ6SAty-2FgPBkaoK-2B=
1F25Cayg0L0-2BzcBtT7GfAwyYfRInCB9xu3SD0Y-2FIkaT9M9emtroljXskr4UhoA-2FroB5IH=
I-2BdxcnGjGuTRInrioebCgw7FXY-2Fn3eyn4xoI7xZE4IOUHdGwDF-2FsXNiogYAe2GOvmia3R=
kkaAtlfi5O_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rw=
b8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5=
-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytk=
dKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJ=
SmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-=
2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLE=
j9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl=
5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hr=
utIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKsPCr1Ja6YEtYDlB5rmxDP=
gNMJHT5m526ObYjeR9hpDVhqWrhx1v1N7ncGEUA-2BJbVEGigQeKP-2BM6ThELiQE6UFzlzmWVx=
X6JysP3BKNpORXfkvZZW2LV0JmyZNZtluRRMrFBYbxIklUdguQiCliwEYk-3D" universal=3D=
"true" style=3D"color: #330072; text-decoration: underline; font-weight:nor=
mal;">Toll Brothers</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;">$107.64<br>

<span style=3D"color: #0EA800; font-size: 14px;">$4.09 (+3.95%)</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-2FdrITtY0t6Ai68VCrsi6V-2BDu4YflVipDeu2Uj52=
TzQrE47dhbPYtaL2YmonWr19gcvpFNzKveQO0B2g7D9MklmrEElSz3KCrlENmGWNATz25Sx0jd-=
2FGLcwz1HDhseXggXZKqJMATAOOSCqcV-2BmmANhPcROLm98Hq9nrzUCUIzFxJwbjQ8VF6cqnv5=
M9ezHXcWBtd-2F0L5ePVy9zeMZLA5r8rdnJ7dzfxJCRJlmqnmIPAHuTyLW5bJ2nxC-2BQmJB2Xk=
Au8SQYGxIDqoaXr7vJojmyjANq3oJ7-2B9as7cO-2BNNse3BvSTmOV3UpJTrX5ZO5j6TtMLVvN6=
-2BDC3fZHbF9s1Phuxl7QYZro6P8z2l6pKP2aHRx0fwlXd7P0hXZ5bbMNQG1ofFUuv8DMZq1oM7=
lOiL-2FrVaxTuTgDASxQhzy7g8U84Dacz3v2luG5y2cn-2BngIByPMT5rNe7A7optRIIIT3n8sk=
N4mY6-2BrmL18khBiol9ehvDVAo3-2B4FEQ9ed3nrxTaAEMcb6qIUk65Wzm3i4q7954cRFdfQwa=
HEuJieLyXLsiUV9bYSeOepHveb9kHZMePqcoDAEMY55kcSAtAmYz4A0i7o1GsEZVkckIbsw1Ras=
59sjn9PczYg6pGMB0nB5332IAlz6DhWwEVJHwuexriWuZx-2FaYto48Z4_y6r4Y-2Fjyz39fUgi=
IVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAr=
qfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInW=
Kg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3=
cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej=
2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd=
-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewA=
GJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63U=
Gi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyO=
L3T-2FRsBZ9xxX1J8L8n-2B7QKk5vx58XSleF9BH6z98JtOtguy6jOPgVubfNn2dcno-2Bak7B7=
tV5AI5D4HJBndxDlmzzvMl51lAe3DOe5igl-2Bphus0TGnwpf76SHc-2Fmv64DfmQ3035nfNw5i=
zPp-2FXTbgxDDKcL4HrJU28WNdhVneaSng-3D" universal=3D"true" style=3D"color: #=
330072; text-decoration: underline; font-weight:normal;">Teladoc Health</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;">$15.64<br>

<span style=3D"color: #E03E52; font-size: 14px;">-$4.85 (-23.67%)</span></t=
d>

                                        </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-2FdrITtZpob2bfaGEDZK0uEijc39ZEZEBH6gxctJD=
4-2BhdLo0-2BE67uYpMBh9dkte3Rp2OWf0Jccz7qLl8AB0MK3He8Wjd0JrK4hH6IVZS0jXWpvjj=
o793WYeEJJwo0tlBzl6yNtsJsE4egGUeGVMqcTT7DXNFQ8IQoqqy4XHdyCUJN2S-2BU5cw01RYo=
IIorVHSecC6TjJMjawy97MVCBDzuZKzS-2BJVvlxzKiKj6TkkVdFkKww9NQUjkjynTDoGeKYxtN=
R8Ap76vGmpNMj7HIBsVA7OCd5jg1-2BswKGgXRvp-2F1gqgqHLWv7-2B3ZWNeGpPuh5XQv6cca-=
2BBPZvgdhF-2BrfEqnqAgY1c9xJc7uMDdSnYqoLLRd8XQp2mXuN3-2FZikCMLbHzr5iDz-2FMRd=
8g6NhcOo1Uokuq8ovB6XefkHqPCBV4DbesvLMki6BzDPMo5ZQNvh279eEez9eXW8cAQz6M-2FSN=
RG-2BG78EUbZSaBGuPSE3-2BN9g98YEux5D1OoZ1tcECnIm3s13kQO4ClrrW6PPeNJyjHnZsHyV=
L9EwdzN64rOV0uhuT0PDj8TC4nCs7lDMKLP2B79K0o7TkjkJHgnbWZ164EaAB2yPBG6zp-2Bxda=
5oowqsz36bZF8RZouT7gu3f1mzC3ibkxO0G82XZSybZfr2JNbInjvih3VYGG7L_y6r4Y-2Fjyz3=
9fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQ=
xACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vM=
DUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhR=
G6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvK=
TZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtg=
IXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTS=
eYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzb=
CH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03=
ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKsyidYkD13KlSTu5Q2Rvy2pldlLQiUGKNT0D4Kfx3g4aM=
Uriw3B9yAHU0Nm2r8vuqbxfG3k3kh0cvGhKGlmXn0LEzlTmZltUjaOtzh7Xq9A5moUBUdYfPssH=
pcu9Z-2B7y7EgoRgfscWmdQa1mLX77ZGM-3D" universal=3D"true" style=3D"color: #3=
30072; text-decoration: underline; font-weight:normal;">SolarEdge</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;">$74.14<br>

<span style=3D"color: #E03E52; font-size: 14px;">-$10.28 (-12.18%)</span></=
td>

                                        </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=
FFRaRff7310cJxbY60MzEBVpoPRcn4FMIDOS-2Bbn3cPpa3Q5912UsOdImTr3cLwBkpQi7gQQ02=
YqTaIGULz9ZkrMCcNwRcPC65sLvcL-2BFygQ1eJbih3FQrbqMk73sDqXhDBI8V4dlPO0eX4VRlU=
sFKkSLzeFJc4F9NE5NcM75Nr92433aPfwNTQnZjX8dWMDnYgjPW0arFFPadsDauVZVD0UJRwzDE=
hlUUrbI4DTvzFI1OVcBrfiGeYik-2FccZ9sKHvyGaMG4ucJeNgJvcb3oWcHH8gjL07X8yVr0I5C=
6ygipcY81IZwQLOS-2BJkdTTgJdMu1n4tU-2Fb6A-3D-3DvFEO_y6r4Y-2Fjyz39fUgiIVZvxsz=
I1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6=
UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7j=
PHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FD=
ZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGR=
mJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsq=
cr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064=
Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2=
qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FR=
sBZ9xxX1J8L8n-2B7QKkLlSDPFh7FoxZ-2BS9S9Da0tsrPc4JgNtOjcpjnz2JPkQWtz5c2Y22M-=
2F1GYegRKgbOgrDpXODWcu-2BF6naW92qxcb8RakiSyY-2BJ8T9qKmDhJSsl-2FIN-2Ffzum0DL=
aLxIFbsq-2BObOK7YZvL2eakUS0zFqZ5c-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/IN23-1621752-M_AltInvestLaunch_LCM=
_DailyBanner_1450x462%402x.png">
				=09
				<!-- MOBILE -->

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

				<img src=3D"https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads=
/raw/IN23-1621752-M_AltInvestLaunch_LCM_DailyBanner_250x400%402x.png" class=
=3D"mobshow" alt=3D"" border=3D"0" hspace=3D"0" vspace=3D"0" style=3D"displ=
ay: 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;">Meet the research project that could save America=E2=80=99s=
 housing market</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;">
		The National Zoning Atlas wants to compile all of America=E2=80=99s zonin=
g rules into one database. Why does this matter? Zoning rules are at the he=
art of the nation=E2=80=99s housing affordability problem, and getting more=
 transparency might help provide a solution.<br>
 <a href=3D"http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFR=
aRff735Qxsu6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxtri2U5ty8tYfzwQRwqJ34fcq5Da=
woGLIEK0f9tB0bP1fJO36K8ypY8YACPQPHlzkg79ATasSJ7u-2BNLvz0bd55lv6OHQQ5tQlpI79=
ZTWO7yBLWTzjRGSAQhoaK5htNQZ2pc3y-2BRHNOm8B4E8kebs6ePQQ1zA65pfnPTdjNztSwtezd=
FkOuZyu-2BJdEIlJlAHCWtrt2kV7WEIsdqqnVRiNK6vQMRsWL79OuCDABF4sHHMYCKHlccNqgq0=
hwWHIDMUpVkg0ZMfE0prip58i51VXsHkwFS9z7DHab8nejef7qlJLiME4mv51RTDZew-2BJOi-2=
FYeFllRF_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2=
BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdK=
cCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSm=
KwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2B=
fv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9=
URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5w=
tG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hrut=
IH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKpPNlsn6VQl9JWY7mlMJi-2B=
wN72ZOmCT6WmscmmgIzD27pAJqVfFFdxftodXli1ScdqPoeongue2nrtGVssOzNJEoi9XfPwGOI=
CuhGnHwyGWDmNYQoqMDcEn5t5E-2FPXMxW5TbM3Jt6Xn3z-2FzjF8v-2BIaA-3D" style=3D"c=
olor: #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=
FRaRff735Qxsu6qgTu3mwVd1GBqeywX5RHacgZcglLr5FESIjxtri2U5ty8tYfzwQRwqJ34fcq5=
DawoGLIEK0f9tB0bP1fJO36K8ypY8YACPQPHlzkg79ATasSJ7u-2BNLvz0bd55lv6OHQQ5tQlpI=
79ZTWO7yBLWTzjRGSAQhoaK5htNQZ2pc3y-2BRHNOm8B4E8kebs6ePQQ1zA65pfnPTdjNztSwte=
zdFkOuZyu-2BJdEIlJlAHCWtrt2kV7WEIsdqqnVRiNK6vQMRsWL79OuCDABF4sHHMYCKHlccNqg=
q0hwWHIDMUpVkg0ZMfE0prip58i51VXsHkwFS9z7DHab8nejef7qlJLiME4mv51RTDZew-2BJOi=
-2FYeF1fRw_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rw=
b8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5=
-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytk=
dKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJ=
SmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-=
2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLE=
j9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl=
5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hr=
utIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKmfrddizv6iBa-2BzHUApp=
-2Bx1E3oIS3QCMA2PdIunnkpT6ZNSvo11Cs8dxDVWjeYD0uMBRl6ymxqzPeSPvRATGKUmtqDgnL=
nQmJ-2FpJ9s8uviaexuXfvxjBIdCmTy9ljgM4OHgMmAtD1cliUHtk4WDc030-3D" target=3D"=
_blank" style=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/suburb-new-housing-development-in-albuquereque-picture-id480606=
888-1.jpg" vspace=3D"0" style=3D"color:#ffffff; text-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 mixed on Wednesday as investors digested the Fed=E2=80=
=99s January meeting minutes
			</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>The minutes suggested optimism<=
/strong> about the progress made on inflation, but members of the Federal O=
pen Market Committee remained cautious about cutting interest rates too soo=
n.</li>

	<li style=3D'padding-bottom: 15px'><strong>In earnings, shares of cybersec=
urity platform Palo Alto Networks plummeted 28.4% </strong>despite beating =
expectations, after issuing lower-than-expected guidance for the upcoming q=
uarter.  Virtual healthcare provider <strong>Teladoc Health</strong> saw it=
s shares tumble 23.7% after missing revenue expectations and forecasting fi=
rst-quarter earnings and sales below estimates. <strong>SolarEdge</strong> =
stock fell 12.2% after missing top- and bottom-line estimates and issuing w=
eak guidance due to lower demand and stress from higher interest rates.</li=
>
=09
	<li style=3D'padding-bottom: 15px'><strong>Shares of luxury homebuilder To=
ll Brothers climbed nearly 4%</strong> after it beat estimates while projec=
ting strong demand in 2024. </li>
=09
	<li style=3D'padding-bottom: 15px'><strong>After the market close, chipmak=
er NVIDIA posted record revenues</strong>, up 265% year-over-year, thanks t=
o strong demand for AI.</li>
=09
	<li style=3D'padding-bottom: 15px'><strong>Walgreens Boots Alliance slid 2=
.5% after losing its spot in the Dow Jones Index</strong> to Amazon. The ch=
ange will take effect next week. Amazon stock rose 0.9% Wednesday. </li>

	<li><strong>The 30-year mortgage increased nearly 20 basis points</strong>=
 from the previous week to 7.06%, its first time above 7% since early Decem=
ber. Mortgage and refinancing applications both fell about 11%.</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>It will be a busy day for econo=
mic data,</strong> with the January Chicago Fed national activity index, ex=
isting home sales for January, February PMIs, and weekly jobless claims due=
. </li>

	<li><strong>In earnings</strong>, Block Inc, Dominion Energy, TurboTax-own=
er Intuit, Keurig Dr Pepper, Live Nation Entertainment, and Moderna will re=
port.</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 -->

  <!-- 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;">Making sense of layoffs in the strong U.S. labor market</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;">
			The post-pandemic recovery of the U.S. labor market has by and large bee=
n a story of strength. Case in point: The unemployment rate is at a histori=
cally low level (3.7% in January), and the economy is adding jobs every mon=
th (353,000 last month).
<br><br>
Sounds great, right? Not so fast. There=E2=80=99s also a lot of news of lay=
offs. Job cuts are common, and often follow the business cycle. But is ther=
e more at play?
<br><br>
As so often when it comes to the economy, the devil=E2=80=99s in the detail=
s. With a working-age population of more than 200 million people, not all p=
arts of the U.S. labor market are doing equally well. <a href=3D"http://abl=
ink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxsu6qgTu3mwVd1=
GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u74jc6x3orDmXhnAE8-2BK7Y2-2=
Bb6O8-2BIv6KOnZg3VX8F3d4U2oKqw00H3J2i-2FoMq6odmyVWCeb4SINEI5XrZOZPUcR-2B-2B=
leFOISChz6Xb63hyyimEv973d4cwQToLGDm9czjoV03NSQYds-2F-2Fg-2FCNwppKi8-2FO4-2B=
WxLOEL1Rdyq5v-2BYXMle1iiCpw9-2FcBdyl0v8hTm4HVkM7UZEHgsgK35TioYQMt0nIyDalOwZ=
je3A6B7Zg187lV5eI5RXGsimJmPRuRPQOaGoSvSJ7bReoPobzLJn1KJ4ufR2t8P2lLVAAFbx-2B=
ILmCtK_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lA=
nkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BX=
YJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcC=
J03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKw=
Qc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv=
7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9UR=
c52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG=
-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH=
8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKgJFyEwJVYnjHCQ3pst8N-2FbX=
JKCDHRfTtGeKM0B12YmoeWYUAAtwFHw5sHi2UL4oJ5UQRCrpMc-2Ftob0B7dP7QhS-2BNGT15LJ=
DjNaHwbZsXbrOEdElTHq-2FtKdExAHzizN9ZP6GnDrEqIuxWJTGu5JMuOY-3D" style=3D"col=
or: #00819D; text-decoration: underline;">SoFi Head of Investment Strategy =
Liz Young explores what=E2=80=99s going on.</a>
=20
          </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=
FRaRff735Qxsu6qgTu3mwVd1GBqeyxbPk9lgncMrqSJ1Y63-2BFJN8KM84Dh6uBlAjvn6k20u74=
jc6x3orDmXhnAE8-2BK7Y2-2Bb6O8-2BIv6KOnZg3VX8F3d4U2oKqw00H3J2i-2FoMq6odmyVWC=
eb4SINEI5XrZOZPUcTCvKGQOLF6Tw0V-2FBK1xw05iSYXiYJlujnwFd1bW8MiTA-3D-3DCFGP_y=
6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2F=
WAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhM=
abkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDs=
n4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K=
-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4=
-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXc=
zbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6o=
LsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbbo=
ASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKknbrKTL1lbcNZkqRSWyNXdSRwzVCrhd-2=
B-2FnSzJJXn52pKsRM9RagabvNJZO6dOQgjIxL94IZDvBJD7TYf-2BJ-2BPkdBnC94IT5o-2FQ3=
TtOgBbRP9Ol-2FIgdmqfiz-2F4oqKh-2BV53m77psAv11ewy3HgQQ5efMA-3D" target=3D"_b=
lank" style=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/Liz-Looks-at-21.png" vspace=3D"0" style=3D"color:#ffffff; text-=
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 -->

<!-- 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;">Food hasn=E2=80=99t taken this big of a bit=
e out of your budget in decades</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;">

			  Groceries, eating out, even snacks, haven=E2=80=99t taken up this much=
 of your discretionary spending since 1991.
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff735Qxsu6qgTu3mwVd1GBqeyykDJcAfA9HtmLyJOEyTPfBuBOtyKWkUY5G0Be7YZEeDBeCbH4=
Ck-2BXrmJiKLVGTPJNgr1h-2BRwb2xtIorL4D8RejbG515k6wJEIEgFbwmfxj9l2MukvZ-2FAwr=
A-2BAvl6nBqXg-3DGqyM_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS=
LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW3=
8L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3=
Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR=
1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1=
H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V=
-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsY=
RnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w=
-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKtx258Kvwt9v=
q4LtFV-2B1hpKOKrU45LtnHnJuxu-2Fji36SndXQ2iiH-2BhqG-2Bbou4k94NLfVm-2BIdIjTxI=
3akgb-2Bj4ad0fNRx9PHRX4kdpxKtEBr3e1qyVgmbhboQR6VazPoCIQxYzaSqmIgY8432-2BuR0=
1OE-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;">

			  Another kind of return to office =E2=80=93 converting them to apartmen=
ts

			</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;">

			We=E2=80=99re looking into what=E2=80=99s going on with the push to conv=
ert vacant office space into apartments, and the issues the movement is run=
ning into.
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff735Qxsu6qgTu3mwVd1GBqeyykDJcAfA9HtmLyJOEyTPfBQH8vC5diy6oXAOZdpHMALq4tIaN=
1RXwcpJ4pwaIZLNwueMTSGt5ey2mklbBHdJEXAKanUyeQlSgdz6dTDccDSD-2FDvtokal2-2B-2=
BWn-2FvHcYYsAIeS7YY87oD0RInqobKmrIeGYx_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762=
wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHw=
sy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWf=
qN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuI=
DTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13=
dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2X=
tESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGy=
i4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8=
w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8=
n-2B7QKq4ZTL8BZAfWAb5QoxkoLCAf0nezjSEM30FTG8dOR7HhT-2Ft9008pMTHv2jpO6LYgBMg=
Nf5zAzTRg4Tl3aYUa5PIeOD-2FiZPiigFZ78n9TF-2Biulth3AF5v6V7Nj6M1nNwLOHEvaTcMp3=
rBvGIZEsTFSNs-3D' style=3D'color: #00819D; text-decoration: underline;'>Rea=
d 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;">

			Get ready for your first home with these tips

			</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;">

			Are you planning to put down roots this year? Here are 12 tips for first=
-time homebuyers.
<br />
<a href=3D'http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRa=
Rff738U9XURM5Z2e5gvCvZ4evSpTH0s1DzH4CFKWSE-2Byp3nQ5l73Ar6oVu7BauvkB3pPk2f98=
p3-2FADqkk7glVZgOBzuqBujHTfGxPP0Ir454tANsHqOTb-2BuvNKSlNxJgna6AYQ-3D-3DwrlQ=
_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-=
2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvW=
hMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biW=
Dsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE=
8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2=
K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwq=
XczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY=
6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjb=
boASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKkuDp91CeWQ04ZLdsAEGWyfCY4zXgyu9=
nkggoGsjJS0-2BY-2BofarMsXU95A305hz2LY2J5sfkecv0rQiN46b75u5sqh6IVPge7jnz-2FK=
x2E6YdgPD-2Fm24ltCPOR0AbhOxDgPCM2KD-2Bu9usdX5jKjDmgYEc-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

		 =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;">

		  The Biden Administration announced the automatic <a href=3D'http://abli=
nk.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff730mJPpFThZcBRmyY7P=
CmKYqtMi-2FVGxGrBH6s8nBxeDYQG5PbNiTI-2F-2FeS6kDt1NsqNWbpbYvINlNhkoetyvhGH-2=
FCM2LPVbQxSBNGyvZMVWyGzlD5zRNo-2BoZnTJ89LfPiNW6zVRTtQ3R9CMExJOmxSEGE-3D1RNJ=
_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-=
2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJFcvW=
hMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ03biW=
Dsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc9JBE=
8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-2Fd2=
K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc52jwq=
XczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2BQsY=
6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8GoQjb=
boASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKp5f99WFWiwpupPDN9PgXrowDmOv0Kmt=
WNWEY1zMkihLAam7EQnEv84pitVX8fKmob5bfknQz-2B-2BLWRXt2UkTdYaTBQ-2BmR9s22RGqN=
MUdvRwmaKLZ0RqDeDHAQebjDQaOT8Ogk0hcJXWmIFXJj37EyGo-3D' style=3D'color: #008=
19D; text-decoration: underline;'>cancellation of the federal student loan =
owed by nearly 153,000 borrowers</a> who are enrolled in the government's S=
AVE program. Those eligible for the debt cancellation borrowed $12,000 or l=
ess for college expenses and have made payments for at least ten years.

		  </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=
FFRaRff73-2FCKv18978-2FvvXd19WMJHfEWUj0mEqcjXVT-2BwwFQZM7IyeWArxvpMorwC-2Bx=
5SLXCO6E7ZuokqN-2BPTjGQIXng2NU9MSfxqERudhy8D6CzLKEX2tEVG254FVu3PDL6vewDMA-3=
D-3DoJEA_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2=
BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdK=
cCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSm=
KwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2B=
fv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9=
URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5w=
tG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hrut=
IH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKk3v28RfswpHKwFtlrefjR2u=
Nwf-2F-2B-2BZry0Lz-2FzIoELImZ2dEQOfqOk-2BrErgFlImfqjrlAzkfOd6Q7VvLKlwzzEOXE=
OtUeMTGw7mrFvSMBcAuilpGqJoJVvenWhggOZKTyZPa265LaWA5l8T8VuFa3FQ-3D' style=3D=
'color: #00819D; text-decoration: underline;'>Beyond Meat will launch a new=
 plant-based burger</a> this spring, hoping to appeal to more health-consci=
ous consumers with less sodium and saturated fat.

		  </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=
FFRaRff733zom4avGS2tzmaqqnWOBZXp3KIecHXuy0cQzBKRpoq8hQmSzNtX3ZGEvHIlsKn2IVU=
DG5Ys3jINw0JeY5Z-2BCqtM2uqooUbiwKeD29YVxQ1V5Z3zi1Vs7Eko0QTowuHnzJ8AgUAY0jtp=
0o6PA-2BKjNy8-3DNQNC_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS=
LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW3=
8L5OV6dee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3=
Tr8-2FTytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR=
1iKiuBb2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1=
H-2BJSDbP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V=
-2F3XNVPLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsY=
RnJorN4DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w=
-2Bh8B15HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKnmZmPdJKS-2=
FBcBpQSYJ-2FNTzs-2FkfFS0eFf8cDE7ax1OnFZYbdZgxEM5y7UqPIokNdUxnUrmhC-2FlxI8DZ=
1Fu6Fota-2Bk8LEK3msq65Sh4bR2t3TrhdJsTluN3JXDnIy7gfPPPBjmBjyPwncAwdsw1Ly8Tk-=
3D' style=3D'color: #00819D; text-decoration: underline;'>FuboTV is suing t=
o block the joint venture</a> between Fox, Warner Bros. Discovery, and ESPN=
-parent Disney to create a new sports streaming platform.

		  </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=
FFRaRff730uNro7N-2FgBv-2Fwvjxrzo7RT8BUe2i6IZgn60tCitGQ7PqlEqyk9KQhzl8EeDAnZ=
DpJ4nNRp2QA77fuc6emDeXYDWJdaJ8PQZ4bcAVh5aAFW9NcjtZjnGd395Yauzn-2BW6Wg-3D-3D=
SZP2_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnk=
Nl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2BXYJ=
FcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdKcCJ0=
3biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSmKwQc=
9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2Bfv7-=
2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9URc5=
2jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5wtG-2=
BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15HrutIH8G=
oQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKjxMG0BoTs4dz63-2FFNgDOO-2BW=
Re82-2BJouPa-2BbV7suoSr2CjOBpqvxQVV82l3Dzo4cgq4ZabQ4cUtfusa-2FS37qXOuAZLx6O=
oLiT5e3Ym6gmRrejJHucx5dTK-2FIXBxLqcYD1toqsFTkiam9TN2s-2F-2BddKfk-3D' style=
=3D'color: #00819D; text-decoration: underline;'>Apple launched a new sport=
s app</a> for users to check scores, stats, and betting odds across several=
 major sports leagues.

		  </span></li>

	=09

	=09

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

		  Delta Airlines=E2=80=99 special flight <a href=3D'http://ablink.daily.s=
ofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff731BvEPAfcaqILXxgR5l3HVNKzwqp=
l8ktd-2F-2FED7mShpv3BPPvmMoZCuHKIVQt8cl9OrKABDzBprTXhAS2Q5fLs3VXDGiHCNNHKxF=
E0N1FKM4ei1Zw_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR=
6rwb8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6d=
ee5-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FT=
ytkdKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb=
2BJSmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSD=
bP-2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNV=
PLEj9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4=
DQl5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B1=
5HrutIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKj3Z-2B0cU3p9QBig6z=
Fv6DGFanIoFJnl9iyG0eOFkEl7XRBsdYMYXxUQTPvivzuhRtoAXHKWAmpeyOyeIA-2B1txYla31=
-2FWuJPUEw97ZtXeTf4seQ-2BIWGsZwphjOmDKxR7fx3fP3txeYZ7-2FPN5i9h6Oc90-3D' sty=
le=3D'color: #00819D; text-decoration: underline;'>to view the total solar =
eclipse</a> has sold out already.

		  </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=9CThe 70-20-10 rule is a way to allocate your monthl=
y income into three categories =E2=80=94 living expenses, saving and invest=
ing, and debt repayment and donations. Using these categories can help orga=
nize the way you think about your income =E2=80=94 how it comes in, and imp=
ortantly, how it goes out. It=E2=80=99s a simple and often very successful =
way to get a personal budget in place.=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=
8-3DmFmu_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2=
BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdK=
cCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSm=
KwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2B=
fv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9=
URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5w=
tG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hrut=
IH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKnerJFnAH-2B3TTfpLSlfZCI=
xIWLCdtExhDQkCs-2Bcwmn9EdQ7f8dXTTfSAQifx7RBHvlvHX5cLXNb8RLRYx8GXAUt-2FMH-2B=
QCD0USdh-2FtsF3yHoxxi1f4mQTN0PQ9Xnp-2Ffups6APBmCyDi-2F-2FrSaddX6-2Blj8-3D" =
style=3D"color: #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-3DlAqa_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8=
lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5-2=
BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytkdK=
cCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJSm=
KwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-2B=
fv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLEj9=
URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl5w=
tG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hrut=
IH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKqYiWNwMj8j3GRsDH6kMElQ-=
2F-2BZ83CNI-2FaWJiyYZ3Uiw5rdPTumJhXetIqcobwoYpmK3fIbg9etCvWRDS5RwYYolPuVCfO=
SfHIdb90mrzb-2FX7145xFrQzqdmgwQyA-2BK6rOiuCzKm0b4UdxCB4VHqN8ZU-3D" style=3D=
"color: #00819D; 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=
Xr0-3DrtNH_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rw=
b8lAnkNl5-2FWAUTS0rtKWQxACArqfDbnX6UEC3ZXG7bdHwsy70wwSA2hExmQ2oW38L5OV6dee5=
-2BXYJFcvWhMabkFORMG5vMDUInWKg-2B7jPHnRisWjheWfqN3jMzdQwHl362wms3Tr8-2FTytk=
dKcCJ03biWDsn4ao6yHmyhRG6WN3cz8-2FDZVr12TwZJnuIDTYr4zilG4yYwa-2FR1iKiuBb2BJ=
SmKwQc9JBE8K-2F2GvNuKvKTZBej2HWptGRmJwTmCdupU13dKaCmNb-2B08KVAyn1H-2BJSDbP-=
2Bfv7-2Fd2K4-2FvEf6jrtgIXpSd-2FAtsqcr8P9HOwYB2XtESwLQ4IYwgT37qx7V-2F3XNVPLE=
j9URc52jwqXczbFZu-2FuTSeYewAGJGI064Q-2B49I0pTGyi4tMYsW5aP-2BsldsYRnJorN4DQl=
5wtG-2BQsY6oLsqniHNAPzbCH63UGi0L9d2qT7IrBkd2gX8w3z6yaSkXxoWvh9a4w-2Bh8B15Hr=
utIH8GoQjbboASJS3Xyzk03ggcyOL3T-2FRsBZ9xxX1J8L8n-2B7QKjuDfKDIu26kNjbMQMVh4g=
dJe7SC47v7wiyy65pHUj-2F7pPDnCxh9mGFuHQjKPpcc07w9XHustiCi7VCFDX6KLg-2BPxWUvX=
vcLjhugdEDZ4V8xDit2m87lrGJd1VjjXVilQciH1cKFDOd9Kv0mXUMluB0-3D" style=3D"col=
or: #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>

					</td>

              </tr>

              </table>
			</td>
					</tr>
				</table>
			</td>

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

          </tr>

      </table>
	=09
		<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 valign=3D"top" style=3D"font-size: 30px; line-height:30px;" height=
=3D"30">&nbsp;</td>

  </tr>

</table>

<!-- // Three squares  -->

<!-- FOOTER -->

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

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  <td style=3D"color: #757575; font-family: 'TT Norms', 'Montserrat', sans-=
serif; font-size: 12px; line-height: 16px; padding-top: 20px; padding-botto=
m: 20px; text-align: left;">

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