got a couple of different start ups, actually, almost like three. But my background started academically. I'm ah, m I t undergrad in physics and then Stanford. I was in the Ph. D program for physics. Also, I left a little bit before finishing up. My my place is I started working in financial technology trading type company in Chicago. I became an options specialist in terms of modeling. So I've been running quantitative research groups, so I sort of started on the financial side of things. And I worked for starting for a trading company that I moved over to some bigger banks. So I have a lot of experience with big corporate type environments. I've worked at places like Morgan Stanley, Lehman Brothers, you B s. I now do consulting for Citibank. So that has given me a very good sense of the corporate structure and, of course, the financial technology type business. The question then was, How does that apply to some of the start up? Some kind of like a subject matter expert on some things. So one of the startups is talent algo talon algo dot com. I wrote a matching algorithm for financial technology applicants or candidates that want to be placed with financial technology firm. So whether they be from more on the engineering side or on the quantitative science, kind of like what I did. Ah, this will give the the managers at the firm's the ability to really analyze the skills both from a technical and from a work experience point of view. So that was one start up. We could talk a little bit about that in a minute. The other one is through some friendly connections. It's a fintech type company and cross border money Remittances from the chief financial officer for that, And what that means is that I'm basically the one that's really trying to analyze the pricing models. The evaluation to see if I could project certain cash flows what our Twitter startup company will be worth. And then, finally, something we just got started recently is a quantitative trading. I've got some friends that have access to people with reasonable months of money, and we're doing some research to try to put on some trading ideas into practice, so that's kind of a very small thing. We don't need to go into that so much I think that's from, ah, corporate structure, point of view, less interesting than the other two. So that's kind of how I got to where I am today.um, you could we could start with the scent. I spend a lot more time on that. Now the other one. Since I did the quantitative work, we're sort of in a different face where I'm not contributing that much right now. My other partners are, but he said, I'm very active in right now.

sting area. There's there's a lot off movement from certain behaviors and patterns now to future ones related to the whole payments industry. Our niche is particularly the immigrants in the U. S. Sending money back in particular to Latin American countries off the U. S. To Mexico. Um, you know, Remittance flows are about $35 billion a year, and there's certain spreads in that that you can capture. And then there's other countries like Guatemala, Dominican Republic, Colombia, where you have multi billion dollars of Remittances. Now, the immigrants that come over to the States, a lot of them are sending money back to their mothers, their wives, whatever. Ah, lot of these guys, they're still using the brick and mortar bringing the dollars in, you know, to the to the shop, and then an agent will work on agency portal. They'll take the cash in, and then they'll do the transaction for them.Okay, so I've got a couple of different startups, actually, almost like three. But my background started academically. I'm ah, m I t undergrad in physics and then Stanford. I was in the Ph. D program for physics. Also, I left a little bit before finishing up. My my place is I started working in financial technology trading type company in Chicago. I became an options specialist in terms of modeling. So I've been running quantitative research groups, so I sort of started on the financial side of things. And I worked for starting for a trading company that I moved over to some bigger banks. So I have a lot of experience with big corporate type environments. I've worked at places like Morgan Stanley, Lehman Brothers, you B s. I now do consulting for Citibank. So that has given me a very good sense of the corporate structure and, of course, the financial technology type business. The question then was, How does that apply to some of the start up? Some kind of like a subject matter expert on some things. So one of the startups is talent algo talon algo dot com. I wrote a matching algorithm for financial technology applicants or candidates that want to be placed with financial technology firm. So whether they be from more on the engineering side or on the quantitative science, kind of like what I did. Ah, this will give the the managers at the firm's the ability to really analyze the skills both from a technical and from a work experience point of view. So that was one start up. We could talk a little bit about that in a minute. The other one is through some friendly connections. It's a fintech type company and cross border money Remittances from the chief I. Nash.

initially I was. It was a friend of mine. It's a connection. Family connection. My daughter's best friend. I have a 13 year old daughter. Her best friend is the founders, the co founders of the main guy, his company. He asked me to help him out with some valuation. Just try to see if I could come up with some model and I said, Sure, no problems. I put together a spreadsheet. I try to find out how the business works, and I started putting together Ah, cash flow projection based on certain KP eyes type of model. And then I realized it was pretty interesting and that just sort of started building up. So I became, ah, co founder. I have, ah, sweat equity deal. I don't I don't get paid. I'm just working for, ah, a piece of the pie, as it were. So that was one of the things I was going to mention to your students watching This is that the partnership that you start with one of the fundamental questions is what's a fair allocation of the the split of the equity pie? So one of your Carnegie Mellon professors has a website where he has a little. It's like a spreadsheet like thing for kind of working your logic, of how to think about what everybody's contributing and what would be a fair split. Um, so that's that's something else, and I will give you that link. You can post it later. Okay, so So that's basically it. We just were working from home, and then eventually we got some share space downtown New York. Now, obviously, because of Koven, everybody's back to working from home again. But it was pretty interesting for a while there, and we had a very small, skeletal stuff. Ah, basically one analyst, one technology guy, me, another guy, kind of operations. And then the head guy and their background was telecom. They were selling minutes on the phone, but that got disrupted by like D. What's APS? Applications were now long distance calling is basically free for a lot of people if you have an Internet connection and you have a smartphone so that disrupted that business. So we're hoping to disrupt the brick and mortar business for her money Remittances, the cash transfers and one of the other big things is the bill pay. So you can do cross border, build pace also, So you could not just, and that gives you more control of the money you could send. Instead of just sending cash to your mom back home, you could say, I'm gonna take care of the electric bill, your cable, your your phone and then whatever is left over, I'll send you in cash or the mortgage payment, which could be pretty important in a lot of cases so that they actually control the money. The person making the money and sending the money home has some control of how it's spent. So that's one of the advantages that you were talking about later. What's the value proposition to the to the customer?