Alex Lintner

That's at the top of my list.

And it's not always the most economic decision.

And therefore, my CTOs might suggest something that makes more sense from an economic perspective.

maybe isn't as tight from a security perspective.

And then I veto it.

And I say, well, we're going to pay the extra money.

We're going to do it anyway.

But it happens very, very rarely because people know the principles that we work by.

So if you have clear principles, you listen to people, you surround yourself with strong people, you make the room for a debate that is open, transparent, very inclusive.

Everybody can speak.

There is no hierarchy in the room.

You take your time for it, and then you make the best call you can with the information available.

Yeah, Nilay, a great question and really perfectly articulated.

Let me give you two answers to that.

One is just explaining how we think about the credit score.

You called it a relatively recent from the 80s.

So if it's OK, I'm going to provide a different perspective to that.

And then I'm going to talk about just how we apply AI.

Let me start first with the history of our company.

We have a guy now in our history.