1100. News- After Dark: Nubank takes on the US, Monzo Aura launches, and can you trust AI with your money?

25:33I think it's very much needed about the earlier we start and the more habits we build that are regular automated. Perfect, right? And automation makes it really simple, but it's not always intentional. So I think this is one of the things that, for me when I think about investing it is very much how do you how much do you really understand where you're investing in what's the value what's the risk and do you build that confidence and the understanding of investing early on so one of it's about the habit building but it's also about building the the confidence and I'd say we focus quite a lot on building saving habits in that way and exposing different ways of investing and kind of get to how do we build that confidence level.

26:22And it would be interesting to see where can we combine that, you know, building habits early on, making it automated and building the confidence at the same time. I think it's probably where the sweet spot is because spending in itself is not a route to building wealth, right? So we have to say, you know, how do we do that smart? Yeah. It feels a little bit like cheating too, though. Like you've got kids, haven't you? It's like when my wife started hiding vegetables in bolognese. You know, it's like, it's good for the kids. They don't need to know. And it starts that habit. You know what I mean?

26:57But do you think when they, you know, the customers who use this, who were using it primarily as a credit product, then start to engage in investing, arguably they will invest more than just the cash back is the plan, right? Well, I think that's what I want to see in the actual journey. It's like, are they going to... It's the training wheels, right? Yeah, precisely. and I think if they can do that in the right way with the right kind of structures and guidance then I think it could be fantastic I mean I would love to have seen something like this without you having to take out a credit product like you know they at the moment I mean I'm a Monzo customer I love Monzo but their current debit cash back offering is pretty crap so I would love to see them actually you know doing something in that space maybe giving you something when you look at Trust Bank in Singapore you have the choice do you want cash back do you want stock back do you want air miles things like that so I think kind of there are more dynamic cash back experiences that are already out there tested in the market so attaching it to a credit card to me feels like obviously it's great in many ways but I'm also a bit frustrated potentially I've also just been looking at what new bank offer and new bank offer unlimited cash back and all this sort of stuff so I love Monzo but I'm sort of half torn on it yeah but you have to move to Mexico to get that one right that's quite extreme for cash back isn't it I'm willing to do it.

28:15All right, fine. Well, Fintek Inside Mexico next week will be coming to you. What do you think, John? I mean, it's an interesting one, isn't it? Sort of wrapping that behavioural structure around product features and, you know, the marketing around this. It's trying to make a traditional product a bit more virtuous, isn't it? Yeah. When I looked at it, I didn't think that this was a product designed for people like me. I looked at it and I thought this is actually, you know, am I likely to change my Amex for this? Probably not. Am I likely to transfer my stocks and shares to Monzo? Not really, no.

28:54Actually, this to me is for, it feels like a very aspirational, young professional kind of product to get people onto the ladder. you know the inclusion of airport lounges feels a little bit kind of you know jet setter but you only get two of them a year because you're not earning enough money yet to use anymore like but so there's definitely an element of getting people into that kind of wealth building journey which I really love I think that's really clever you know and it's the behavioral stuff I'm such a geek for that stuff the behavioral economics nudge thing and I think that the way they're doing it to get people into investing and you know like Kate says the journeys that are going to be in the app to get people to top up that investment I think is going to be really really valuable for Monzo going forwards.

29:43I definitely think this is a long-term play for them trying to get people at the beginning of their journeys. I kind of likened it to the kind of national Westminster little piggy bank family right you get you know you give it to the kids and they start putting their coins in and hopefully one day they'll be NatWest customers. I won't put you on the spot and ask for their names. I'm sure they will be. I mean, that is true. I was a HSBC customer for like 10 years because I got a Midland clipboard in high school. You know, like that stuff works, you know? Exactly. And I think it's just an evolution of that.

30:17It's just, you know, catching them when they're a young professional. There are, you know, potentially Henry's. They're high earners, not rich yet. And they're waiting until they start to build that wealth. And by the time they get there, Monzo will have the full catalog of products to service their entire financial life in one app. It's scary, though, that those fintechs are, like, that's quite a sad admission. It's like they're not aiming at our demographic anymore. Oh, God, like, Jesus. I've been personally recruited for Monzo Research, so I'm feeling, like... You're in there, yeah. It's that skin routine.

30:48It's doing a bit. But it's interesting. They've sort of grown up, right? There's mortgages and investments and all sorts of things. So is fintechs kind of grown up now, right? Yeah, it's really interesting. like when we, well, when I joined the fintech world, listening to 11FS. We get 10 % of his salary, by the way. It's how it works. There was a lot of kind of topic of conversation around, you know, banking's not for millennials, and, you know, we don't get the products that we need, right? So the millennials then, like, get into charge. We design all these amazing products for us. Well, we're amazingly served, and now there's a whole new generation that speak a completely different language that I really don't understand.

31:28now coming through that need financial products that are not us. Yeah, that's the secret. Old people that got all the money. That's banking in a book, basically. You learn stuff. It's good. But it is true, that change of who people are aiming at and what the demographics are. I mean, I know we've talked about this a million times, like the underserved, overcharged, overwhelmed. There are niches that, when you create a great product for one of them, serve people much broader than that as well. It's the beachhead always, isn't it? Yeah, yeah. And you know what I find interesting, and what you said, Kate, as well, that there's so many offers worldwide where cashback is really dynamic and customers have a choice in what they pick.

32:09It's cashback or it's something else. And here they chose it not to make it as a feature of functionality, but as a standard default in a product. And it's really interesting to see what does that dynamic in automated behavior end up with. Yeah, yeah. You must have seen a lot, for anybody who doesn't know, Tamara lived out in Singapore for a long time. Credit cards out there are a whole different thing, aren't they? Asia, more broadly, it's almost like a game. It's kind of quite an interesting propositional structure, isn't it? It is very much like a game, but it's also the default, right? I think that the main difference is that in Europe, the defaults tend to be debit card, and we tend to be more you have to save before you spend.

32:50And in Asia, it's almost the opposite. It's like, why should you save before you spend? and you can just pay it back. Isn't that the same thing, right? And yeah, credit card is just the default, and it becomes this whole industry indeed. I love that. I mean, I love that until I have to pay back the credit card, I guess, but yeah, until that 25th day turns around. All right. I mean, this is going to be really interesting. I mean, back all the way to, like you say, when Tom and Jason and the team were standing up and pitching Monzo, it wasn't about products. It was about sort of an ecosystem, a financial system, wasn't it?

33:26And they've sort of slowly but surely sort of filled out the blocks, haven't they? So it'll be interesting to see what this does in connection to all the other bits as well. But we will, yeah, I mean, unlike everybody else, I'll do anything to get away from my Amex. So like, I'll definitely get one of these. All right, next up, and probably our final main story. I've seen the last one. It's definitely the last serious story. is AI gets financial advice wrong 57 % of the time. This is IFA magazine. IFA magazine sounds like it's like the humans doing financial advice magazine, right? So it's like IFA magazine says technology bad.

34:10It's like, you know. Also in Turkey's Weekly, then they vote Christmas bad, right? But new research from financial technology firm Saturn has tested 18 popular AI models against 121 financial questions, putting more than 10 ,000 questions through those models in total. It found that the models made mistakes in 57 % of the answers on average, rising to 88 % for ones that were deemed part of financial questions. These failures range from calculation errors and missed risk warnings to outdated tax information and completely invented rules. That's always a fun one. So some of the mistakes could have had serious consequences.

34:54The report estimates that one incorrect answer about a pension tax rule could have resulted in £17 ,500 charge. Fuck. Who uses like ChatGPT or something to do finance? Don't fucking do that anymore. Like, okay? This is financial advice. Don't do that. That's scary, isn't it? You know? So is it scary or is it like saying Google in the 90s is like pulling up some weird stuff? I think it is scary at the surface level. I mean, I think we've already seen some announcements about, you know, AI specifically for financial services. So I think there is a recognition that there needs to be kind of an extra AI club that's focused on financial services.

35:42I suppose the thing that I keep coming back to, though, is the alternative to AI that we had before was that so many people just didn't get any kind of financial support full stop. So even if it did make mistakes 57 % of the time, if there was a fail-safe mechanism or a way for those mistakes to be made good, but it meant that the rest of the time people were actually getting advice, it's really hard to kind of work out where do we... You're making the argument that 57 % of the time is better than 100 % of the time. Oh, yeah, sorry, it's getting late. I guess that's true, yeah. The caffeine's running out.

36:15But, I mean, I don't know. I just find it very... It's just a very emotional, difficult thing to try and work out because I just know from eight years of doing research at 11FS, time and time again, speaking to customers, just were desperate for advice, desperate for guidance. And the traditional banking system had zero interest in providing it to them because the regulatory structures that were in place and made it non-financially viable for those firms to serve advice to those customers. So I feel like something has to give. AI is obviously part of the answer, but we haven't got it right yet.

36:47Yeah, I find it very scary. I have to be honest. I mean, 57 % of the time is wrong. Well, it's less than 100%, but it's still 57 % of the time it's wrong. I mean, financial or finance, I'd say, is already complex enough, right? And what people definitely need is the help to understand the information and everything that's out there because it's way too much it's way too complex and again I don't talk about it at the kitchen table right so I kind of need that help and we need the technology and the human side I'd say to help that and because it's about money it's about my future it's about finance it has serious consequences if you get it wrong right it's not as if you're buying the wrong book and it's like well too bad you know throw it away it might be your future that's at risk.

37:37And I think that's where the responsibility around this and what is the scary thing in that sense is not even how often they get it wrong. It's actually how often people use it, at least now and then, right? I think, I'm not sure how many hands I saw, but from the latest I've heard, it's like one out of three persons are using this on a weekly basis to help doing their finances. So if that's one out of three every week with 57 % of it getting it wrong, that could have major implications on many people's lives, right? And we need to make sure that when we take that up, and I agree with you, banks need to step in a lot more to help on that, but it's with the safe boundaries, it's with the guardrails, it's with keeping these risks in mind.

38:24And I would say probably the more personalised it gets, the more complex it gets, or the more consequential it would get, the more important is that human overlay of are we sure that we are getting it right, because the impact of it could be really, really strong. So the lady in the front who put your hand up super quickly, just as a, so what is it, don't say your name or where you work from if you don't want to, it's all good, yeah, yeah, don't do that. But what do you use it for then? Have you given it information? Have you given it context of your finances? It's just the basic research. before I go into the deep research.

39:08What on? 100%. I would never give my savings. Oh, you're saying that now. A minute ago, you were fucking throwing your checkbook at it. But have you used it to pick stocks, or is it more like I'm doing this and I earn this? What should I do? No, stocks I do myself. But for instance, if I want to save money, I ask it what's the best saving account to put my money into, and I get it to research for me, like Revolut or whatever it is. And has it ever strayed away? Has it ever done you wrong? Not yet. Not that you're aware of. Thank you very much. Give her a round of applause.

39:52Can I just pick on that a little bit? Sorry? Can I just pick on that a little bit? Well, pick on her. That seems to be... No, no, no, not on you. I think she's had enough. Yeah, go. It's interesting when you say in terms of questions are like, what is the best savings account, right? And you'd expect for an AI to answer, but how do they know what is the best account for you and what you're trying to do and what you're trying to achieve and how that fits in the rest of your goals and the rest of your life? It's a very difficult question. What is the best in a specific product if you don't understand the context of what for the customer's life, everything else that they have?

40:30If it comes with investment, even more on the risk appetite. And I think that's where it comes in to say, you know, it can give a summary of factual information that's out there on the internet because that's what they do. But if you don't have the proper modelling in place and the responsibility of how do you build in the safe, you know, the safeguards and the risk assessments and the whole situation of a customer, it could given the right answer for one person, but it might be the wrong one for the other 99. Yeah, it brings up an interesting point about trust, doesn't it? Because actually, I mean, we've had a weird thing over the years with financial services of like comparison sites.

41:11And it's like, oh my God, that one's number one. Why is it number one? They paid more because it's number one, you know? So like you do that and you use that as your shopping list and your selection criteria. But there was another study done recently that, So the FCA's research cited 26 % of consumers trust general purpose AI tools for financial advice. And that, I mean, that's a, you know, quarter of the UK trust it to do that. Is it that there's such a gap on advice or that people are scared to do it? Yeah, I mean, I think there's probably a few things. I think cost to sometimes get advice is incredibly high.

41:53So accessibility is complicated. I think as an American expat living in the UK, I am caught... You're American. I'm American, I know, I know, just to let everyone know again. But I'm in a really complicated tax situation when you're an expat abroad. So naturally, a really easy thing to do with ease of just going on to chat GPT and asking a bunch of questions. But there's a lot of kind of big caveats around everything that you're reading. and I think in increasingly digital worlds where people want information instantly and sometimes they're not necessarily thinking about what I'm reading, is it right or wrong?

42:29They're kind of reading out as, okay, computer says, yes, cool, I'm good to go and I think that's just increasingly the way that even media and news outlets and people are gathering information each and every day so I think financial services falls into that same bucket of quick answer, I kind of get what I need to ask it because sometimes you can feed a prompt of saying like, this is exactly what I want. And so the answer is going to be really tailored to exactly that thought, right? It's not necessarily going to give you a long-winded maybe debate on different options. It's going to give you something you specifically said.

43:00And that doesn't necessarily mean it's the right thing for you at that period of time, right? It's not going to have your full financial history. It's not going to understand maybe some of the macro pieces happening in that market. It's going to be quite a binary outcome. And this is where the human judgment piece, which everyone keeps coming back to is the most important thing here is we have to have judgment as we're looking at information. When you read the news article, you still will apply your own sense of judgment because it's going to be coming from someone's perspective. So it's the same thing as information you gather from an individual.

43:32It's the same thing you're gathering from either AI or a news outlet, et cetera. So I think that is a really interesting conundrum that we're in is a lot of, we're seeing a lot more trends of information read means information correct. Yeah, I agree. It's an interesting one as well that the, I mean, there's such a bias in those things to sort of be so agreeable that actually, I'm going to sort of anger a bunch of like internet bros as like, you know, the indecision is the worst decision and like all that stuff. But like, you know, so is it good that somebody then can make a decision and move forward, albeit it's wrong some of the time, at least they're doing something, like you said?

44:11I think there's definitely a world where financial guidance and getting people that access to having the first bits of help is really important. I think Gen AI is pretty, you know, can be very useful for that. But there needs to be that line where indecision is, you know, worse than no decision, but a wrong decision when you're doing financial advice could be a really, really expensive mistake to make. You know, nearly right is wrong. And that's the risk that we've got to take. And I think this is the scary thing. with AI is it'll answer it so confidently. It'll tell it to you and it'll be absolutely sure of that answer.

44:53And you'll read it, you'll go, oh yeah, brilliant stuff. Not be together a lovely itinerary to go to Seville last weekend. This must be right as well. And it's because it's doing it all confidently that you go, okay, right, I'll trust it. And I think that's the really, really dangerous thing about the way Gen.I. AI works. It's true, isn't it? You don't want it to be like, hey, which credit card should I get? This credit card, what you want it to be is like pay off your debt. Like, you know, don't do those things. Like, you know, pay off your mortgage. Think of the kids. But it just wants to make you happy.

45:24That's the thing. Like AI just wants to please you. At this stage, I just need AI to be like, don't buy more shoes, David. That's it. It's just don't need more shoes. Just think of your children. You don't need more shoes, basically. Is that going to get better though? I mean, I've seen some good press releases recently. you guys are doing a lot with this like experimenting to get to a place where you feel comfortable with it it's a it's sort of a educational process all around particularly when we're dealing with I mean we're dealing with very sophisticated technology that's changing by the millisecond right so um you're doing a lot of interesting things talk us yeah no definitely and um and we are and that's why I was picking on it a little bit right I think we are very mindful that we need to be very responsible in using AI to our customers and making sure that it's right.

46:20So yes, we experiment with it a lot through learning a lot, getting the right use cases out. We have a very good research office that specializes on the responsibility on how do we advance in some of this quicker but responsibly and yeah I mean it's really about focusing some of it the first what you've read about on spending insights of how do you chat with that and make it more accessible and easy to understand and in a format also that is really easy to understand and understands not to be underestimated Scottish and Irish and northern UK accents it's some fun when you say about speaking about sophisticated technology right but yeah definitely that we feel there's a huge role for AI to play but we also feel there's a huge role still that exists for the humans alongside it so it's not AI replacing the human it's actually how do you combine the strength of both and how do you help even the other way around it's not just AI direct to consumer right it's also very much to our humans to actually help or our humans that we deploy to help our customers in a way, to really help them doing their job better and easier and faster, but you still have that human oversight and that human overlay to make sure that we get it right, right?

47:46Because again, it is finance, it's your future, it's your children's future, it's your money, it's not a wrong book or a wrong recipe. Yeah, the repercussions of getting it wrong are significant, aren't they? A few financial services decisions made wrong is different. Didn't the king come out and say, we're all going to die. That's the worrying thing. So, you know, finance problems, death for everybody. It's a scale, isn't it? But is it reassuring that I find that it's funny that an AI has greater than 10 % chance of killing us but still can't figure out pensions rules? Yeah. I think we're making them way too complex then, aren't we?

48:25But yeah, it is interesting. On the basis of that, are you going to rethink your life choices? Do you feel like you've learned something? No. No? Okay, fine. She's doubling down. Double down. That's good. I like that. Do you think, though, it's part and parcel of where we are in the factory, though? Like, actually, this technology is emerging, albeit so quickly and so much money is going into it that it's changing so quick. Like I say, is this, like, asking difficult mathematical questions to Google in the 90s? Like, do we just have to trust that generic language models and not specific ones and wait till they get to the tough stuff?

49:07I think it's like any kind of big innovation that we've seen over years and years and years. I think now for us, it says, how do we harness this in the best way that gives the best outcomes for our customers? So from a product and technology perspective, it's incredible, right? It is one of the coolest things to kind of 10x the way that you build products, the way that you build code, the way that you're shipping things. It's quicker, it's faster. That is sensational, but all has to be wrapped up in the things that we do to protect our customers. Because that is, I mean, financial services, our number one goal is to keep our customers secure, give them a resilient platform, and ensure that their money is always safe.

49:48And so I think the grounding principles of anything that you do, new technologies, the way you're building, new products that you're giving, if you're helping your customers invest, it always has to be rooted back in that fundamental goal of keeping the customer safe. So, you know, I see AI is tremendously powerful and it can do tremendous good in terms of building things faster, getting things into customers' hands faster, giving better advice and fine-tuning AI models so that we can give more accessibility of financial information too in the hands of individuals so that the barrier is not so high.

50:22And it becomes less scary to do things like investing because actually that's really important allowing people to build their wealth and giving them information is super important and so I see this as you know if we keep to the grounding principles as a positive thing of is our customer safe is their money secure are we building resilient products for them then it will be used in the best way yeah I agree uh I imagine this isn't going to be the last time we're going to be talking about on the podcast so we'll move on and come back to this one in the next thing because there's loads of different changes.

50:56There's very specific financial services models being created by many of these players that will only make it get better and better and better. So we'll come back to this very soon. All right. So and finally, or artificially this week. So after spending the last 14 minutes actually talking about whether we can trust AI with our money, which you can't, by the way, speaking to you, lady in the front. It only feels fair that we test whether we can actually trust it with something far more important than that, FinTech Insiders and finally stories. So over the last 1 ,000, did I mention that it's 1 ,100 episodes?

51:34I mentioned that earlier on, episodes of FinTech Insider, we have covered some pretty ridiculous stories. And these days, some of them are so ridiculous that you genuinely couldn't make them up. Or could you? So tonight, what we're going to to be playing is a and finally or artificially competition um so we've got a selection of strange stories some of these are really weird um some are completely real that we've actually covered on the podcast so all you people bullshitting that you've listened to 1099 bullshit if you get these right yeah you fucking got his hand up again um so what we've got we've got a selection of those stories and what we're going to do is you've got to decide whether they are completely made up by AI or if they are real, okay?

52:24So what we're going to do, those glow sticks I told you about earlier on, this is why you need those. So for each story, if you think it is real, I want to see your glow sticks in the air like it's a rave in the 90s, okay? If you think it's AI, keep it low. Okay? You get me? Real, up high, like false download, right? I'm struggling with this. Turns out I'm AI. So, okay. So, first one that we did is, so this is a story, scientists who turned to OnlyFans to fund Marmot Research receives a crypto boost. This is the headline. Okay? So, So hands up if you think it is real and keep them down low if you think it's AI.

53:16Ooh, a lot in the air. I had to Google what a marmot was on this one. I don't know. All right, a lot of people think that's real. And you're right. Please go and look at this. It's insane. It's a scientist who literally opened up an OnlyFans to fund research into marmots. And you think, ooh, that's a bit seedy. But it wasn't seedy. It was videos of marmots coming out of holes, which, when I say it out loud, does...

53:52It sounds like the filthiest thing I've ever said in front of other people. So I'm now blushing. Sorry. Right, I'm going to move on. But you, I don't know if you, did you think that one was real or...? What? I was on the show. We covered that one, unfortunately, yeah. I also had to Google it and haven't recovered since. I'll be honest, like, our security on the internet's 11FS devices took a bit of a pounding on this one, hasn't it? But, again, that sounds filthy as well, doesn't it? I'm going to move on. Okay, next one. So this is Hope Leo's bank in the US hung up on him after thinking it was a prank call.

54:29So is this real or artificial? Put your hands up if you think it's real. okay well i think slightly slightly fewer this time yeah but but a lot i mean i just i want to i want to hear that you know like when they like all calls are recorded like i want to hear that call you know i'm not gonna do it i'm not gonna do the accent now i was nearly this close to do like another sip would have done the thing but but can you imagine the pope bringing up and being like it's the pope you know like it's i mean make make alex do it she's american yeah obviously This is real, right? It's just crazy. Like, how crazy is that?

55:07I can't believe he doesn't have a finance guy, you know? In the Vatican. Yeah. But anyway, anyway, right. So, okay. So next one, we have BNPL Company, fine in four, begins offering instalment plans on parking fines. What do you reckon? Hold them up high if you think it's real. Keep it low if it's AI.

55:37Oh, not many hands. All right, not many hands. Man, all right. A lot of listeners getting this right. That person very confidently with his hand in the air is completely wrong. So no, this one is AI. I love the confidence in how wrong you were, but, you know, keep it going. So no, this was an AI one. I mean, I could see why that might actually be a good product, really. I really need this. I get a lot of parking fines. Yeah. Just add them all together. Maybe like a cash back that gets fed into an ETF or something. All right, fourth question. So meet the new digital bank that lets joint account customers round up purchases to fund their potential divorce.

56:25Anybody want to have a guess on that one? real or fake? Zero hands. Okay, I was struggling because I scrolled down and it didn't so real. I was like, fuck. This is, no, this is AI. This is AI, yeah. I mean, that would be a, that would be a pretty terrifying joint fight. Like if, I know you can name POTS in many things, but if your wife suddenly names it divorce, like you're in like a, it's like a cooling off period in the financial term, right? That was a bad joke, my bad. All right. Okay, so an app called Are You Dead is climbing the Apple charts. What do you reckon? You reckon that's true? So an app called Are You Dead is climbing the Apple charts.

57:15Quite a few hands, quite a few hands. I have many follow-up questions on this one. This is true, yeah. Does anybody know the details of that one? I think this is one of my shows as well. They always give me the weird stories. I don't know why. I think it was meant to be something like if you didn't reply after a certain amount of time, it sends help or something. Does it wipe your browser history if you haven't pressed yes every so often? It's like a... Maybe that's the second release. Smart move on that one. It's a bit of a funny question though. Are you dead? Like, how am I supposed to answer when I am?

57:51Well, that's the point if you don't answer. Yeah, the negative answer has some, like it deletes your photos or something. I don't know. I feel like I'm giving away of a lot of the things from it. It's like, yeah, if you find my dead body, delete my photos in my internet history. All right. And the last one. So we have a vending machine company trials AI wellness check before dispensing highly caffeinated drinks. What do you reckon? True or false? John's big on that one. Oh, the hands are popping up now. Really pretty mixed. Okay, this is AR, I'm afraid. I mean, before I came here, I did say to a few people in the office, I can't tell if I'm overly caffeinated or under-caffeinated.

58:41So I could do with this. I suspect the marmot thing might imply you're over-calling. That was it. Yeah, that's what took me over the edge, wasn't it? All right. Sadly, that is all the answers that we do. Feel free to take the little band with you. You know, tell somebody you went somewhere cool. It's all good. But that is all the time we have for tonight, I'm afraid. It has genuinely been a pretty special episode to celebrate. Did I say it was the 1 ,100th episode of FinTech Insider? With a room full of beautiful people, some of which make bad financial decisions. And occasionally being talked about in the show as well, unfortunately.

59:17right so before you go the next FinTech Insider after dark is happening right here apparently on the 12th of November didn't know we'll be back so hopefully you guys come along to that tickets will be available straight after the show so keep an eye out for the QR code and get yours before everybody else does thank you to everybody for being here, thank you for coming along thank you to Village Underground for hosting us

59:45a massive thank you to our sponsors Thank you for your sponsors, Sage and Plaid, for helping us make it a success tonight. And finally, a huge thank you to my co-host, Kate, our brilliant panelists, John, Alexandra, and Tamara. And if you're listening at home, thank you for continuing to listen to this nonsense. And if you are in the room, I'll see you at the bar in a bit. Thank you very much, everybody. Goodbye.

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1:00:40Fall has never looked or tasted this good. Sweet Green's fall harvest menu is back with seasonal favorites dressed to impress and made to be devoured. Warm roasted sweet potatoes, crisp apples, maple glazed Brussels and crave worthy flavors in the autumn harvest bowl, maple glazed salmon plate and roasted bacon Brussels side. The season's most desirable menu has returned to Sweet Green featuring fall's best dressed. Make your move. Order on the Sweet Green app. Still waiting in line? Again? Again?