FinTech's Era of Embedded Is Over

right? Like, I'm looking for the founder that's obsessed with solving a problem because education is no longer a moat and the cost to build is zero. And so a lot of the folks that I'm meeting today are, you know, they have some personal thing that happened to them where this has

become a problem that they've been obsessed with solving and now they're looking to solve it. And I'm investing in those types of founders. It just so happens that like also you don't need to have crazy FinTech background to be a really great FinTech investor, mainly because a lot of embed

because the wave of embedded FinTech has passed us. Now you can embed FinTech in all these different parts of the business if you can figure out distribution and if you know how to use proprietary and public data