Welcome back. Wells Fargo borrowing from a tale of two cities and its recent fintech coverage and initiation wrote calling it the best of times and the worst of times for the sector but analysts managing to find what they call the fab five of fintech which includes a firm that was our mystery chart if you're watching now. Joining me now to discuss this is Jason Cuperberg.He is a senior research analyst at Wells Fargo Security initiating on these names. Jason, thank thank you so much uh for joining us here b ...