Vlad Tenev

That would take some more time.

So we pioneered instant investing, which is just, you download the app, you sign up,

you can place a trade in one session, just like how you would expect any product that you use on your phone to function.

Yeah, I think there's some parallels.

I mean, we take some inspiration from Amazon, from all of these companies, also Apple.

I think one criticism you can give Amazon is,

you use the app, it feels functional, it works, you know, things are kind of in the right place, but it's not really delightful.

No, it's not design first.

No.

Yeah, but we were always, you know, my co-founder and I were inspired by Apple.

One of the other formative moments is the iPhone came out right when we were graduating college.

2007 was the iPhone, 2008 was the App Store.

So...

we would get together and like watch the Steve Jobs videos of when he was unveiling things and also the iPad and

I think that also planted the seed in our minds of, oh, it would be really cool to launch a consumer product that actually individuals can use.

And that was another motivating factor from going from our enterprise business to the consumer business.

It's hard to say because, you know, that definitely set in motion a turn of events that led to us focusing fully on trying to make the retail business happen.

Yeah.

And also at that same time, my co-founder and our head of BD were in New York on sales trips.

And that was like a very bad sales trip.