Anish Acharya

And the reason that it works is that the credit score is actually this sort of mirror that people like to look in and see how they're doing objectively as an adult.

And the reason that it works is that the credit score is actually this sort of mirror that people like to look in and see how they're doing objectively as an adult.

Whether you're doing great, whether you're doing poorly, whether you're doing just okay, people really find a lot of sort of satisfaction in the feedback loop of looking at their credit score.

Whether you're doing great, whether you're doing poorly, whether you're doing just okay, people really find a lot of sort of satisfaction in the feedback loop of looking at their credit score.

Not something that I ever would have predicted.

Not something that I ever would have predicted.

And as a result, Credit Karma has many opportunities to sort of inform and sell their customers' products.

And as a result, Credit Karma has many opportunities to sort of inform and sell their customers' products.

And it really, really works.

And it really, really works.

So how do you reflect on that?

So how do you reflect on that?

Like missing that?

Like missing that?

I think when you have a formidable founder and they're showing a lot of early momentum in a market, inertia is the best mental model.

I think when you have a formidable founder and they're showing a lot of early momentum in a market, inertia is the best mental model.

In my mind, inertia is the most powerful force in the universe.

In my mind, inertia is the most powerful force in the universe.

So everything that is happening today is going to default happen forever.

So everything that is happening today is going to default happen forever.