🎷 “Bubl-ionaire” — Michael Bublé Christmas. iRobot’s RIP. J.Crew’s Ath-ski-surewear. +AI Barbie.

0:00This is Nick.

0:01Michael Bublé: This is Jack. It is Tuesday, T-Boy, Tuesday, December 16th. And today's pod is the best one yet. This is a T-Boy. The top three pop business news stories you need to know today. Yetis, Jack and I are already planning our first pod of 2026. Jack, what are we going to announce? We're going to announce our stock picks for 2026. That's right. Our 2026 portfolio resolutions. How's your portfolio, Greg? Yeah. I don't know. You got to listen to the first episode of next year. We'll find out in the new year. All right, that's coming in January. But in the meantime, Jack and I prepared the three best stories we've ever done.

0:34Jack, what's on today's T-Boy? For our first story, Michael Buble is the top earning musician every December, 14 Decembers in a row. Mikey Buble has cornered the Christmas music market

0:46Michael Bublé: in a move Jack and I call Buble-ing. For our second story, iRobot filed for bankruptcy yesterday. Your robot vacuum is crying in your closet. So we wrote an obituary for Roomba and its life story is wilder than Forrest Gump's. And our third and final story, J. Crew ski jackets, Aloe Yoga apre wear, and Skims ski gear. Besties, the fashion industry has embraced skiing because skiing ain't a hobby or a recreation anymore. It's something else. Oh, it's something else entirely. But yetis, before we hit that wonderful mix of stories, fantastic mix of stories. Love the mix for T-Boy Tuesday jackets.

1:22Day three of Hanukkah. We have nine days until Christmas. What gift should you get? Well, Jack and I'll tell you what gift you should not get. An AI toy. Yeah, don't get an AI toy. Trust us. Yetis, you may have heard a story last month about the AI stuffed teddy bears that told kids some inappropriate things. Yeah, like where to find the sharp knives in the kitchen. Not a good look. Well, that's not all. According to CNBC, some AI stuffed animals will tell kids where to light a match. Other AI stuffed animals will tell kids romantic advice. It's like Furby and ChatGPT had a baby who sells cigarettes on the playground.

1:57Batteries are not included. Huge privacy and safety and developmental concerns are. Oh, and that's not even the wildest part, is it, Jack?

2:05Michael Bublé: Some AI toys are even pitching Chinese propaganda. Get this, if you talk bad about President Xi, AI teddy bear is going to report you. MIT Technology Review reports that China now has more than 1 ,500 registered AI toy companies. But Jack and I suggest you let Santa's Workshop do the toy making instead. Because even South Pole elves don't use Chachi Bt. Jack, you can't put AI back in the jack-in-the-box. If you tickle that Elmo, just hope he doesn't hallucinate. Stop fighting me! Jack, let's get out three stories. 15 years before this song, two boys from the Northeast met in the dorm. They had an idea to cause a cultural storm.

2:41Michael Bublé: It's the best one yet, but the best is the norm. Jack Nick, that's it. I don't even think they need to practice. 50%, that's a fat tip. T-Boy City on your at-list. If you know, you know, cause we ready to go. We can't wait no more, so just start the show.

3:00Michael Bublé: Start the show. First, a quick word from our sponsor.

3:11Monarch. All right, Yetis. One lobster roll. No joke. 50 bucks on Nantucket.

3:16Michael Bublé: And why is that a problem, Jack? Because we're going to Nantucket this summer on a joint family T-boy trip. It's a write-off. It is expensive, but we will travel with peace of mind because our finances are organized in Monarch, despite the lobster rolls. Monarch is the personal finance app that tracks everything. Accounts, investments, savings goals, and spending. Get your first year of Monarch Core for half off, just$50 with promo code TBOY. Monarch shows visually how much you're spending this month compared to the average month, which is really useful. So like, honestly, this month, been a doozy jack.

3:46Booked a lot of travel, but I know the future months won't be as bad after lobster roll season. You know because Monarch showed you. Last year, you had a spike in May for travel bookings, but a dip in the summer because the travel was already paid for. You can even ask Monarch's AI assistant anything about your finances. Like, what are the key changes in my spending so far this year compared to last year? And how much was spent on lobster rolls last summer? Use code TBY at Monarch.com to get your first year of Monarch Core at half off, just$50. That's 50 % off your first year at Monarch.com with code T-Boy.

4:18Bureau Premium Non-Alcoholic Beer. All right, yeah, he's a little behind the scenes here. Before our New York City live show back in April, Jack and I went sober for two weeks. True story. Couldn't risk getting sick. I didn't want to be groggy. I couldn't afford a hangover. It was New York, baby. Okay, but Jack, celebrating the winters is what we do. And so for our live shows, we crack open something special. So we drank Bureau, the premium non-alcoholic beer brand co-founded by Tom Holland. Yeah, I actually first saw it at my grocery store. Delicious tastes like a celebration. Feels fantastic and looks legit.

4:51More on the looks in a sec. And if it's good enough for the actor who played Spider-Man,

4:55Michael Bublé: it's good enough for us. You see, it pairs well with a pickleball game, a profitable earnings report, or with the best podcast. So, Yetis, if you want to celebrate the ruins with all the taste of a premium lager or IPA, but none of the alcohol, there's no better choice than Bureau. Okay, pause the pod. Did we mention the can is straight up gold? This thing will stand out at every one of your next parties. Trust us, we've done it. Only beer we know that actually upgrades the scene like a promotion. So, Basties, if there's a win you're celebrating every day, Bureau is the non-alcoholic brew brand you gotta bring.

5:26So use code T-Boy for 20 % off your first order at BureauBrewing.com. For our first story, Michael Buble has built a franchise business on one genre, Christmas music. Michael Buble also pioneered a strategy that works in any industry that we call Buble-ing.

5:48Michael Bublé: Yetis, I'm sorry, was that Wham I heard in November? And Jack, was that the Chipmunks in October? And I'm sorry, but pause the pod for a sec. Mariah in the middle of September? Because the Wall Street Journal just pronounced Christmas music is a booming industry. Yes, it is. We're listening to it more than ever, and we're listening to it earlier than ever. By December 10th of this year, 20 of the top 25 tracks on Spotify were Christmas songs. We see you, Brenda Lee. We see you over there. During periods of stress, listeners are more likely to return to familiar comforts. Now that's what the Wall Street Journal said.

6:21But what Jack and I are saying is that this is the Buble effect. Michael Buble, the Canadian singer, not songwriter, is the top musician of December once again.

6:32Michael Bublé: And we have got the data because Michael Buble's Christmas album is the top-selling Christmas album of the 21st century. Sorry, Mariah Carey. Yep. Sorry, Sia. Sorry, Justin Bieber. And sorry, Chipmunks. Doesn't matter what your algorithm looks like, every comment online seems to agree on this, Jack. Christmas is not complete without listening to the songs of Michael Buble. It ain't Christmas until Michael Buble snaps his fingers 14 times on the downbeat, Jack. Nick, every woman in my life seems to have a crush on Michael Buble, and it's pretty annoying. I know. I know you've been working through that the last few years, Jack.

7:06But besties, Jack and I found this part fascinating. All 10 of Michael Buble's top 10 songs on Spotify are cover songs. That's why we call him singer, not songwriter. Now let's sprinkle on some context.

7:19Michael Bublé: In the early 2000s, Michael Buble kind of looked like a one-hit wonder, right, Jack? You probably made out with your high school sweetheart to his song, Home, which was a huge hit in 2004. I think this is where your Buble issues began, by the way, Jack. Well, I was 16 in 2004, so yeah. But in 2011, Michael Buble made a decision that made his business manager extremely, extremely happy. Yeah, he did a Christmas album. Show me the money! It's called Michael Buble Christmas, and it's become an ATM machine that prints cash for Michael Buble every December, even in November now. Jack, why don't you sing some of the numbers for us over here?

7:53That album from 14 years ago still has two tracks in the global Spotify top 50 right now.

7:59Michael Bublé: That's right. And it's platinum in 15 countries. Oh, that's not all. According to Forbes, Michael Buble became the fifth highest grossing musician on earth that year. Again, sorry, Justin Bieber. That's right. Buble beat Bieber. So Mistletoe Mike, as he's been known since, pivoted hard to presence. He published a deluxe 10th anniversary edition of the same exact album, Nick. Oh, and having a song in the top 50 for the entire month of December is worth$1 million in revenue from the music streamers. But he's not just getting streaming revenue. No. Michael Buble has gone full Frank Sinatra, touring as the top billing item at every live Christmas spectacle.

8:38Michael Bublé: All right, Jack, I'm checking the calendar here. What's going on December 3rd? He performed at the Rockefeller Center Christmas Tree Lighting in New York. Oh, and what about December 6th? He performed at the Vatican for a live audience that included the Pope. Oh, and since 2024, he's been a celebrity judge on NBC's The Voice, as his agent would say. That's right. Extremely dapper, always wearing a tuxedo for some reason, and a velvet baritone. Mick, he's making bank. He's our generation's Frank Sinatra. You are still working through this. And we're here for you and support you, Jack. So Jack, what's the takeaway for the boo-billionaire, Michael Bublé, listening to today's podcast?

9:14It's called bubling. When you see a market void and hit it hard. Yeti's, Michael Bublé's strategy is that he saw huge, consistent demand for Christmas music, but a lack of novel takes on the classics. So he went into a recording studio and sang 16 famous Christmas songs. That's it. Jack and I call that simple phenomenon of fill-in-the-market demand, Bublé-ing. And we've seen lots of examples of it before. Adam Sandler Bublé-ed with his$500 million Netflix deal. Netflix needed comedy, so Sandler shamelessly delivers two a year for half a billion bucks. Martha Stewart is buble-ing right now with her collabs with American Eagle and Crumble Cookies.

9:52Michael Bublé: She's the boomer who can collab with the Gen Z brand, and so she's done a bunch of them. We think there's a huge opportunity for somebody to buble-ing Halloween music. What do you mean buble-ing Halloween? Talk to me. Every Halloween, people throw Halloween parties. That's like one of the big parties of the year. But there's no obvious music to play at Halloween like there is obvious music to play at Christmas. Or Jack, like Spirit Halloween, that's an example of boo-blaying retail Halloween, right? They go all in. Yes, everybody needs Halloween costumes and there's nowhere in town to buy them.

10:22Yet he's added to the T-Boy Dictionary, it's boo-blaying. When you recognize a predictable market void and you shamelessly fill it. For our second story, iRobot filed for bankruptcy on Monday.

10:38Michael Bublé: Its Chinese supplier is actually taking over the company. So we wrote an obituary on the Roomba robot vacuum because its life story is wild. Oh, wait till you hear this. But yetis, to start, pour one out for Roomba. And then summon your Roomba to come clean it up. Because iRobot, the inventor of the Roomba robot vacuum, filed for bankruptcy on Monday. Honestly, sad to see it. Super innovative company. Roomba is the only thing I ever summon. And I really like that word, summon. Man, you really are working through a lot of buble issues, Jack. Roomba, their iRobot stock fell 72 % to just$1 a share on the news.

11:16And the situation is honestly kind of weird. And it's a weird situation because iRobot, based just outside Boston, only designs their robots. They don't actually build them.

11:26Michael Bublé: And now iRobot owes$100 million to their Chinese manufacturers who do the building and are now taking over the business. iRobot even owes$3.4 million to the U.S. Borders and Custom Control for unpaid tariffs. Oh, and this weird situation is now also a sad situation. Because three years ago, iRobot was supposed to get acquired by Amazon for a$1.7 billion payday. And here's why it's sad. The Biden administration effectively blocked that deal when it looks like they shouldn't have. Regulators said that Amazon was just too big to buy another company and it would be bad for competition. But you know what's even worse for competition?

12:03iRobot going under. Plus, there's the whole dog poop scandal on iRobot that kind of messes with the whole thing and doesn't help. I think we covered this on the pod a few years ago. It was called Poopageddon. Yes, yes, yes. Roomba didn't recognize if the dog had an accident, and so it would run over the thing and spread it around like abstract art on your living room floor. That just made a sad situation even sadder. But besties, Jack and I dove in T-boy style, and we wrote an obituary on Roomba. That is insane. iRobot was the first consumer robot. It bridged 20th century tech with 21st century more than any other company.

12:35You see, iRobot was founded back in 1990 by three researchers over at MIT. Pre-WiFi, pre-Amazon, pre-DJ Roomba from Parks and Rec. And those three founders were inspired by insects. They wanted to replicate the movements of bugs for human work. Without internet connection, the early Roomba vacuums crawled around your living room like an ant, figuring out where to go with just their little antennas. It's a wildlife story because iRobot's early client was NASA. Before Y2K, space rovers were using iRobot software. And then on September 11th, 2001, iRobot searched World Trade Center rubble to search for survivors.

13:13Michael Bublé: In 2004, iRobot was in Iraq and Afghanistan, aiding the U.S. military to diffuse bombs and IEDs. And then in 2010, it was an oil spill hero. They built an underwater version of their robot to monitor the well at the bottom of the Gulf of Mexico to try to stop the oil spill. Bestie, see where we're going here? Add it all up and Roomba has like a Forrest Gumpian story, right Jack? Yes, it is Forrest Gumpian. It's been everywhere in American history. Plus Jack, there's the iRobot movie with Will Smith. I'm pretty sure that's unrelated, but I love the extra credit. It's not related to the company, but still, there's even a movie element to this story, iRobot.

13:51And guys, we've barely even gotten to the main product, the profit puppy. It wasn't the big things with NASA or Deepwater Horizon. It was the little thing. It was the crumbs off your kitchen floor that became their profit puppy. In 2002, they introduced their flagship robot vacuum, the Roomba, eventually selling 50 million robot vacuums, which is enough for one out of three American households.

14:12Michael Bublé: That's right. Sorry, Waymo. Roomba was really the first self-driving vehicle. And definitely traveled more miles. But besties, today, revenues for iRobot are down to less than one-third of their peak in 2021. And the business is basically being foreclosed on by its lenders. Which made Jack and I want to study the story and lead to this takeaway. Jack, what's the takeaway for our buddies over at iRobot? In the age of automation, does brand even matter? Yeti's iRobot is a great reminder that you can create an industry, but not necessarily win that industry. Roomba was the first consumer robot, but now it's a bankrupt consumer robot.

14:49Michael Bublé: And a key reason, in our opinion, is that the market got crowded with dupes. cheaper knockoff Roombas made in China. Not Roombas, Fumbas. Fumbas. My in-laws actually own two Fumbas. They go for half the price on Amazon, but have 90 % of the quality as a Roomba. Oh, we see what you're doing over there, Maria. Now this brings up an existential question to Jack and I. You see, if a product provides an automated service, do we care about the brand? Roomba cleans while you're sleeping and it hides in the closet all day. You never actually see the product. Yeah, it's kind of like how if a robo-taxi gets you from A to B, Do you care which RoboTaxi did that for you?

15:24In the age of automation, does brand even matter?

15:27Michael Bublé: Before we go to commercial, leave your answer in the comments. We want to hear what you think. Now, a quick word from our sponsor. NetSuite next. Yeah, remember that crazy news from Anthropic recently that like use of their claw chatbot is up 80x? 80x, not 80%, 80 times more than last year. Yeah, with an X. That's a sign of how crazy fast the competition is adopting AI. So if you're feeling like your business is behind, there is NetSuite Next. You probably know NetSuite, the AI-powered business management suite that securely connects all your data. It's the unified suite that brings your financials, inventory, commerce, HR, and CRM into a single source of truth trusted by over 43 ,000 customers.

16:08Well, NetSuite Next is the next huge leap.

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16:44Michael Bublé: We wear so many hats on this podcast. Honestly, we're not great at all of them. No, we've been avoiding hiring someone to wear those hats instead of us, especially the Von Dutch one, because hiring and training can take forever. Well, proud to say that we are hiring right now at T-Boy, and this is a job for Indeed Sponsored Jobs. Because Sponsored Jobs posted directly on Indeed are 95 % more likely to report a hire than non-sponsored jobs. So besties spend less time searching and more time actually interviewing candidates who check all your boxes, less stress, less time, more results. When you need the right person to cut through the chaos, this is a job for Indeed-sponsored jobs.

17:17And listeners of the show will get a$75 sponsored job credit to help get your job the premium status it deserves at Indeed.com slash podcast. So just go to Indeed.com slash podcast right now and support our show by saying you heard about Indeed on this podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed-sponsored jobs.

17:41Michael Bublé: For our third and final story The apres seen this ski season It's ath skisier wear It really is Because skims, Aloe Yoga and J.Crew Are all full send this ski and snowboard season Skiing ain't a hobby anymore Skiing is a lifestyle Yetis, the 2025-2026 ski season is extremely young But there's proving to be an inversion In two different ways I'm sorry Jack I'm checking the numbers in my apps here in the east. Is getting more snow than the west? J Peak, Vermont has 188 inches of snow so far. Vail, Alta, and Palisades out west, 50 inches or less. Uh, Tahoe right now is Ta No. The second inversion in this young ski season is that Vail is actually dropping prices for single-day lift tickets across all the resorts, not increasing them like they always do.

18:31It's the money. As Yeti Michael Benderchick pointed out, veil is probably dropping the prices only because the lack of snow. The back bulls do need a bailout out west. Yes, they do. But what Jack and I found most fascinating about this ski season is the new flock of apparel collapse. For the first time ever, J.Crew is bringing their prep to the powder in a partnership with Italy's brand, Cappa.

18:55Michael Bublé: That's right, not available until early 2026, but J.Crew is unveiling their apparel at the U.S. ski team events leading up to the Winter Olympics. This is also the second year that Skims is in the ski industry in a collaboration with the North Face. Kim Kardashian's Skims is now selling an$800 one-piece ready for the catwalk or the snowcat. And Aloe Yoga has an entire section on their website for apres ski. The first thing we saw, a cable-knit cropped turtleneck long sleeve. That's a lot of syllables, Jack. I didn't know those four words could go together. I'll tell you what it goes together with, Jack.

19:25Michael Bublé: A$30 hot chocolate martini in the apres scene. True. Now, are you noticing something, Yetis? Nick and I are seeing fashion companies going from downward dog in the yoga studio to downhill on the slopes. You see, historically male-created brands dominate the ski apparel industry, but now female-first brands are booming. A couple of explanations for this. First, everything is social media. If you didn't post that you were skiing, did you even get first chair? That's why new women's ski brands are form-fitting and flattering like athleisure is. You can't appray without slim fit. The second reason that fashion is going full send is our takeaway.

20:01And warning, you're going to want to open your safety bar before we get to the takeaway. So now would be the time to do so. Jack, what's the takeaway for our buddies over in the ski leisure wear industry? More than ever, skiing is a lifestyle choice, and the data proves it. You see, Yetis, 50 years ago, there were twice as many more ski areas in America than there are today, and they probably cost about a tenth the price. With climate change and industry consolidation, there are fewer casual skiers in this very expensive industry.

20:29Michael Bublé: You see, today, skiing is a luxury lifestyle choice. It's less like tennis or golf and more like horseback riding or sailing. Because like horseback riding or sailing, skiing requires a huge upfront financial commitment for a pass in gear. And increasingly, with remote work flexibility, ski weekends are three to four days long. You're opening up your laptop and taking Zoom calls until 12, skiing in the afternoon, and then après at three. It's a lifestyle. Add it all up and the fashion first ski and snowboard brands are reflecting this lifestyle. transition. Today's skiers and boarders are all in on skiing and snowboarding because it's not a hobby or recreation anymore.

21:05It's a lifestyle choice. Jack, could you whip up the takeaways for us for T-Boy Tuesday? Michael Buble is the top grossing musician every December, 14 Decembers in a row. Sorry, Mariah, Mistletoe Mike invented Buble-ing. You find a predictable market void and then you go all in on it. For our second story, Despite a Forrest Gumpian life story, iRobot declared bankruptcy three years after its deal with Amazon got blocked.

21:34Michael Bublé: Ultimately, Chinese dupes killed iRobot, raising the question, in automation, does brand still matter? And our third and final story, ski bunnies aren't limited to Arc'teric or the North Face anymore. Skims, Aloyoga, and J.Crew are all in Gore-Tex. Because skiing ain't a mere recreation, it's now a lifestyle choice with more fashion to pair with it. But besties, this pod's not over yet. Here's what else you need to know today. First sad one here, but Ford Motors is sadly waving the white flag and basically admitting defeat of their electric vehicle business. Ford is ending its F-150 Lightning program, the flagship EV pickup truck they bravely launched four years ago.

22:15Michael Bublé: Interestingly, Ford's taken a page from Toyota and plans for half its cars to be hybrid by 2030. Not all electric, not all gas either. the hybrid Goldilocks, that seems to be what America wants right now. And second, Zillow's stock fell nearly 10 % yesterday because of a new threat, Google. A blogger noticed this weekend that Google was putting real estate listings at the top of its search results. Yeah, like if you Google homes for sale in Denver, the top results will now let you contact a real estate agent through Google. Google says this is just a test, but if they add this to Google Maps, it could cut Zillow completely out of the real estate equation.

22:51That would hurt the zexting out there. It would hurt the zexting. And finally, America's final pennies have officially been sold, and they raised 16.7 million bucks at auction. The U.S. Mint in Philadelphia minted the final 696 pennies, and the final set was sold for 800 grand. And now get this, the Mint even tossed in some gold pennies in there to give Abe a good little last hurrah, and that juiced the prices even more. And all 696 of this final batch had a little omega symbol, which is apparently the Greek symbol for the last one. So you find an

23:25Michael Bublé: omega penny, you hold on to that omega penny. Now time for the best fact yet. This one, an answer to our T-boy trivia question we asked you yesterday. What is the top performing Christmas movie of all time at the box office? And because Jack's a double, double econ major over here, he said this should be for highest grossing movie, both inflation adjusted and not inflation adjusted. So the nominal winner is The Grinch from 2018 with Benedict Cumberbatch. That's right. That movie brought in 540 million bucks. It is the not inflation adjusted highest grossing Christmas film. For that, you'd have to go back to 1990.

24:02Home Alone, the first one with Macaulay Calkin and Joe Pesci, brought in$476 million in 1990 dollars. So if we adjust the original Home Alone for inflation, that becomes the highest grossing Christmas movie of all time. And Home Malone 2, lost in New York, is number two, adjusted for inflation.

24:21Michael Bublé: The sticky bandits, yeah, they did know where the money was. Yetis, you look fantastic today. And if you could take a second, we are this close to 10 ,000 ratings and reviews on Spotify, and we would love to hit that round number. We're actually this close on Apple too. We're really close to 10 ,000 on both of our key platforms. So if you could drop down and give us five stars, a rating review, we love reading them. And also, Jack could, you know, really use the emotional boost. To get over Michael Buble. Yeah, I mean. His handsomeness is frustrating to us all. Except to my wife, apparently. Jack's got to get to that Buble therapy session.

25:00Jack and I will prepare tomorrow's show, and we'll see you for the pot. If you know. You know.

25:09And before we go, happy birthday to Peyton Ghia down in Hotland, Georgia, on the best birthday yet. Happy 35th birthday to Terrace Milenchenko in Austin, Texas. His first birthday is a proud dad, Terrace. We can't wait to see in Texas. Happy birthday to Shazia Arroyo in Houston, Texas. And Sean Lee down in Riverside, California, starts his one-on-ones with his direct report, The Best Way Yet, by whipping up the takeaways on the latest T-Boy.

25:35Michael Bublé: Happy birthday, Sean. Happy birthday to Akshara Ajayin in Roanoke, Virginia, who's also recently had a brand new baby, Avanya. And to anyone else celebrating something today, make it a T-boy. Celebrate the wins. This is Jack. I own stock of Netflix and Ford. Nick and I both own stock of Apple and Spotify, and Nick owns stock of Zillow. I hate this picture of Bublé. Do you see how douchey he looks in this? Yeah, it's like, why is he always wearing a thin black tie? I know, that's it. It's like, get a normal-sized tie, dude. This episode is brought to you by Bill, the intelligent finance platform that helps businesses scale with proven results.

26:12Yet he's paying and getting paid? That is a pain for small and medium-sized businesses. Jack, did you send the invoice? Did they see the invoice? Did you remember to remind them to see to pay to remember to pay the invoice? If you drop the ball in any one of those steps, you don't get paid. Nope. And you're missing out on cash flow. You should not have to chase your customers. This isn't tagged. So powered by AI, build is all that simply and automated so that you don't have to. ACH, credit card, check, international wire transfers.

26:39Michael Bublé: They probably do carrier pigeon Bill pay, if that's how you want to get paid. Bill is the intelligent finance platform trusted by nearly half a million businesses and 98 of the top 100 US accounting firms to manage, move, and maximize your money. They have securely processed over a trillion dollars in real transactions. That is proven infrastructure you can actually trust. So besties, talk to an expert at bill.com slash proven and get$150 gift card as a thank you. That's bill.com slash proven. Terms and conditions apply. See offer page for details.