Nilay Patel

But it's also the information that mortgage lenders use.

It's the information that car insurance brokers use.

How do you think about the core product?

Is it just a database or do you think about it differently?

Sure.

I think maybe I'm just – I'm way at the bottom.

I'm at the primitives here.

The main thing is a big database of financial information about consumers and their credit history and their ability to pay for things.

Is that – the main thing or is there another core element of the product?

Can I offer you my feature suggestion for AutoCheck?

I do a lot of idly shopping for cars I'm never going to buy, and I love feeding the AutoCheck report into ChatGPT, and then ChatGPT tells you a little story about the car.

If you find a particularly sketchy AutoCheck report, it tells you a story about how the car was obviously stolen and is being laundered.

Wow.

You should just put it in the product.

I've got to try that.

It's a good time.

If you're holding a crying baby and you're like, I've got to sit here for another hour, it's a very good way to spend the time.

There are some specific models of cars where it's like all of them are stolen for some reason.

It's very good.

The reason I keep asking on the database, I have a thesis sort of in 2026 that –