WEBVTT Kind: captions Language: en 00:00:13.480 --> 00:00:15.910 align:start position:0% hello<00:00:14.480> everybody<00:00:14.630> I'm<00:00:15.110> alexic<00:00:15.530> rubber<00:00:15.769> off 00:00:15.910 --> 00:00:15.920 align:start position:0% hello everybody I'm alexic rubber off 00:00:15.920 --> 00:00:18.100 align:start position:0% hello everybody I'm alexic rubber off the<00:00:16.060> organizer<00:00:17.060> and<00:00:17.300> founder<00:00:17.360> Joseph<00:00:17.869> Scala 00:00:18.100 --> 00:00:18.110 align:start position:0% the organizer and founder Joseph Scala 00:00:18.110 --> 00:00:21.130 align:start position:0% the organizer and founder Joseph Scala and<00:00:18.349> here<00:00:19.040> we<00:00:19.160> are<00:00:19.310> at<00:00:19.550> Clara<00:00:20.029> the<00:00:20.450> first<00:00:20.869> time 00:00:21.130 --> 00:00:21.140 align:start position:0% and here we are at Clara the first time 00:00:21.140 --> 00:00:23.830 align:start position:0% and here we are at Clara the first time it's<00:00:21.680> our<00:00:21.829> last<00:00:22.160> meet<00:00:22.430> up<00:00:22.579> of<00:00:22.700> the<00:00:22.820> year<00:00:23.090> and<00:00:23.300> we 00:00:23.830 --> 00:00:23.840 align:start position:0% it's our last meet up of the year and we 00:00:23.840 --> 00:00:26.979 align:start position:0% it's our last meet up of the year and we kind<00:00:24.050> of<00:00:24.140> start<00:00:24.739> with<00:00:25.099> the<00:00:25.220> new<00:00:25.340> company<00:00:25.989> this 00:00:26.979 --> 00:00:26.989 align:start position:0% kind of start with the new company this 00:00:26.989 --> 00:00:28.300 align:start position:0% kind of start with the new company this is<00:00:27.110> we're<00:00:27.259> very<00:00:27.439> excited<00:00:27.529> and<00:00:27.950> here<00:00:28.189> we<00:00:28.279> have 00:00:28.300 --> 00:00:28.310 align:start position:0% is we're very excited and here we have 00:00:28.310 --> 00:00:31.450 align:start position:0% is we're very excited and here we have vodka<00:00:28.910> verts<00:00:29.210> with<00:00:29.960> us<00:00:30.110> who<00:00:30.410> is<00:00:30.559> the<00:00:30.890> head<00:00:31.430> of 00:00:31.450 --> 00:00:31.460 align:start position:0% vodka verts with us who is the head of 00:00:31.460 --> 00:00:34.060 align:start position:0% vodka verts with us who is the head of engineering<00:00:31.700> and<00:00:32.180> Clara<00:00:32.419> and<00:00:32.750> he<00:00:33.110> is<00:00:33.170> a<00:00:33.230> loner 00:00:34.060 --> 00:00:34.070 align:start position:0% engineering and Clara and he is a loner 00:00:34.070 --> 00:00:36.459 align:start position:0% engineering and Clara and he is a loner friend<00:00:34.550> and<00:00:34.910> partner<00:00:35.090> of<00:00:35.510> subscribe<00:00:36.260> he 00:00:36.459 --> 00:00:36.469 align:start position:0% friend and partner of subscribe he 00:00:36.469 --> 00:00:38.950 align:start position:0% friend and partner of subscribe he hosted<00:00:36.800> us<00:00:36.980> before<00:00:37.940> Thank<00:00:38.210> You<00:00:38.329> Vlad<00:00:38.929> and 00:00:38.950 --> 00:00:38.960 align:start position:0% hosted us before Thank You Vlad and 00:00:38.960 --> 00:00:41.410 align:start position:0% hosted us before Thank You Vlad and we're<00:00:39.559> happy<00:00:39.769> to<00:00:39.949> be<00:00:39.980> here<00:00:40.190> yeah<00:00:40.789> happy<00:00:41.359> to 00:00:41.410 --> 00:00:41.420 align:start position:0% we're happy to be here yeah happy to 00:00:41.420 --> 00:00:43.150 align:start position:0% we're happy to be here yeah happy to have<00:00:41.480> you<00:00:41.600> guys<00:00:41.750> here<00:00:41.809> thanks<00:00:42.530> thanks<00:00:42.800> was<00:00:42.920> fun 00:00:43.150 --> 00:00:43.160 align:start position:0% have you guys here thanks thanks was fun 00:00:43.160 --> 00:00:46.569 align:start position:0% have you guys here thanks thanks was fun thanks<00:00:43.550> to<00:00:43.609> the<00:00:43.670> wetness<00:00:43.850> so<00:00:44.769> woman<00:00:45.769> I<00:00:45.980> think 00:00:46.569 --> 00:00:46.579 align:start position:0% thanks to the wetness so woman I think 00:00:46.579 --> 00:00:48.849 align:start position:0% thanks to the wetness so woman I think at<00:00:46.670> least<00:00:46.850> two<00:00:47.570> different<00:00:48.230> previous 00:00:48.849 --> 00:00:48.859 align:start position:0% at least two different previous 00:00:48.859 --> 00:00:51.220 align:start position:0% at least two different previous companies<00:00:49.339> yeah<00:00:49.640> we<00:00:49.999> met<00:00:50.210> first<00:00:50.449> identified 00:00:51.220 --> 00:00:51.230 align:start position:0% companies yeah we met first identified 00:00:51.230 --> 00:00:54.579 align:start position:0% companies yeah we met first identified you<00:00:51.920> invited<00:00:52.309> us<00:00:52.429> and<00:00:52.960> we<00:00:53.960> shared<00:00:54.230> the<00:00:54.350> common 00:00:54.579 --> 00:00:54.589 align:start position:0% you invited us and we shared the common 00:00:54.589 --> 00:00:57.130 align:start position:0% you invited us and we shared the common law<00:00:54.710> for<00:00:54.890> intellij<00:00:55.309> idea<00:00:55.339> which<00:00:56.120> was<00:00:56.329> the<00:00:56.510> idea 00:00:57.130 --> 00:00:57.140 align:start position:0% law for intellij idea which was the idea 00:00:57.140 --> 00:00:58.779 align:start position:0% law for intellij idea which was the idea of<00:00:57.289> choice<00:00:57.530> was<00:00:57.739> Carla<00:00:58.129> and<00:00:58.219> still<00:00:58.519> remains 00:00:58.779 --> 00:00:58.789 align:start position:0% of choice was Carla and still remains 00:00:58.789 --> 00:01:01.840 align:start position:0% of choice was Carla and still remains the<00:00:59.089> case<00:00:59.239> right<00:00:59.510> and<00:00:59.719> then<00:00:59.929> you<00:01:00.530> where<00:01:00.769> at<00:01:01.190> at 00:01:01.840 --> 00:01:01.850 align:start position:0% the case right and then you where at at 00:01:01.850 --> 00:01:04.329 align:start position:0% the case right and then you where at at work<00:01:02.059> day<00:01:02.239> mm-hmm<00:01:02.870> right<00:01:03.140> doing<00:01:03.620> Simon<00:01:04.159> doing 00:01:04.329 --> 00:01:04.339 align:start position:0% work day mm-hmm right doing Simon doing 00:01:04.339 --> 00:01:06.250 align:start position:0% work day mm-hmm right doing Simon doing machine<00:01:04.640> learning<00:01:04.699> and<00:01:05.360> building<00:01:05.510> the<00:01:05.990> group 00:01:06.250 --> 00:01:06.260 align:start position:0% machine learning and building the group 00:01:06.260 --> 00:01:09.940 align:start position:0% machine learning and building the group there<00:01:06.500> and<00:01:07.310> so<00:01:07.640> then<00:01:08.320> you<00:01:09.320> are<00:01:09.500> kind<00:01:09.920> of 00:01:09.940 --> 00:01:09.950 align:start position:0% there and so then you are kind of 00:01:09.950 --> 00:01:11.920 align:start position:0% there and so then you are kind of inviting<00:01:10.399> us<00:01:10.490> to<00:01:10.759> this<00:01:11.210> new<00:01:11.360> place<00:01:11.509> so<00:01:11.689> tell<00:01:11.899> a 00:01:11.920 --> 00:01:11.930 align:start position:0% inviting us to this new place so tell a 00:01:11.930 --> 00:01:13.899 align:start position:0% inviting us to this new place so tell a little<00:01:12.079> bit<00:01:12.200> what<00:01:12.890> is<00:01:13.040> the<00:01:13.130> trajectory<00:01:13.670> which 00:01:13.899 --> 00:01:13.909 align:start position:0% little bit what is the trajectory which 00:01:13.909 --> 00:01:15.670 align:start position:0% little bit what is the trajectory which is<00:01:14.030> this<00:01:14.119> called<00:01:14.360> connection<00:01:14.960> you<00:01:15.320> know<00:01:15.439> what 00:01:15.670 --> 00:01:15.680 align:start position:0% is this called connection you know what 00:01:15.680 --> 00:01:20.649 align:start position:0% is this called connection you know what is<00:01:15.799> Clara<00:01:16.100> what's<00:01:16.729> no<00:01:16.939> its<00:01:17.060> new<00:01:17.210> yeah<00:01:18.969> so<00:01:19.969> I 00:01:20.649 --> 00:01:20.659 align:start position:0% is Clara what's no its new yeah so I 00:01:20.659 --> 00:01:23.230 align:start position:0% is Clara what's no its new yeah so I mean<00:01:21.350> what<00:01:22.250> is<00:01:22.369> Clara<00:01:22.610> is<00:01:22.759> probably<00:01:22.969> a<00:01:23.030> bigger 00:01:23.230 --> 00:01:23.240 align:start position:0% mean what is Clara is probably a bigger 00:01:23.240 --> 00:01:25.300 align:start position:0% mean what is Clara is probably a bigger question<00:01:23.659> so<00:01:23.840> I'll<00:01:24.049> go<00:01:24.290> into<00:01:24.439> that<00:01:24.500> probably<00:01:25.040> a 00:01:25.300 --> 00:01:25.310 align:start position:0% question so I'll go into that probably a 00:01:25.310 --> 00:01:29.499 align:start position:0% question so I'll go into that probably a little<00:01:25.700> more<00:01:25.820> separately<00:01:26.750> ok<00:01:27.369> but<00:01:28.369> it<00:01:28.610> just<00:01:29.390> in 00:01:29.499 --> 00:01:29.509 align:start position:0% little more separately ok but it just in 00:01:29.509 --> 00:01:34.209 align:start position:0% little more separately ok but it just in a<00:01:29.570> nutshell<00:01:31.689> why<00:01:32.689> does<00:01:32.840> Claire<00:01:32.960> exist<00:01:33.439> and 00:01:34.209 --> 00:01:34.219 align:start position:0% a nutshell why does Claire exist and 00:01:34.219 --> 00:01:39.760 align:start position:0% a nutshell why does Claire exist and that<00:01:34.789> is<00:01:36.009> the<00:01:37.009> vast<00:01:37.820> majority<00:01:38.000> Polinsky<00:01:38.780> do 00:01:39.760 --> 00:01:39.770 align:start position:0% that is the vast majority Polinsky do 00:01:39.770 --> 00:01:42.459 align:start position:0% that is the vast majority Polinsky do not<00:01:40.070> fully<00:01:41.060> understand<00:01:41.719> how<00:01:41.899> our<00:01:41.930> financial 00:01:42.459 --> 00:01:42.469 align:start position:0% not fully understand how our financial 00:01:42.469 --> 00:01:44.620 align:start position:0% not fully understand how our financial asst<00:01:42.560> to<00:01:42.710> works<00:01:42.920> yes<00:01:43.399> and<00:01:43.670> they<00:01:44.329> are<00:01:44.360> not 00:01:44.620 --> 00:01:44.630 align:start position:0% asst to works yes and they are not 00:01:44.630 --> 00:01:47.770 align:start position:0% asst to works yes and they are not empowered<00:01:45.170> to<00:01:45.609> own<00:01:46.609> their<00:01:47.119> financial<00:01:47.689> lives 00:01:47.770 --> 00:01:47.780 align:start position:0% empowered to own their financial lives 00:01:47.780 --> 00:01:49.899 align:start position:0% empowered to own their financial lives and<00:01:48.170> make<00:01:48.409> the<00:01:49.039> right<00:01:49.280> kind<00:01:49.549> of<00:01:49.670> financial 00:01:49.899 --> 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mm-hmm<00:02:06.109> scala<00:02:06.950> connections<00:02:07.490> interesting 00:02:09.240 --> 00:02:09.250 align:start position:0% mm-hmm scala connections interesting 00:02:09.250 --> 00:02:11.380 align:start position:0% mm-hmm scala connections interesting it's<00:02:10.250> actually<00:02:10.429> some<00:02:10.850> of<00:02:10.880> the<00:02:10.970> early 00:02:11.380 --> 00:02:11.390 align:start position:0% it's actually some of the early 00:02:11.390 --> 00:02:13.990 align:start position:0% it's actually some of the early employees<00:02:12.130> kind<00:02:13.130> of<00:02:13.190> want<00:02:13.550> to<00:02:13.610> basically<00:02:13.760> out 00:02:13.990 --> 00:02:14.000 align:start position:0% employees kind of want to basically out 00:02:14.000 --> 00:02:16.250 align:start position:0% employees kind of want to basically out one<00:02:14.660> of<00:02:14.690> the<00:02:14.810> first<00:02:14.960> of<00:02:15.140> engineers<00:02:15.530> at<00:02:15.680> Claire 00:02:16.250 --> 00:02:16.260 align:start position:0% one of the first of engineers at Claire 00:02:16.260 --> 00:02:19.610 align:start position:0% one of the first of engineers at Claire it<00:02:16.860> was<00:02:17.010> an<00:02:17.099> ex<00:02:17.250> Twitter<00:02:17.519> okay<00:02:18.120> so<00:02:18.629> kind<00:02:19.409> of<00:02:19.470> had 00:02:19.610 --> 00:02:19.620 align:start position:0% it was an ex Twitter okay so kind of had 00:02:19.620 --> 00:02:23.240 align:start position:0% it was an ex Twitter okay so kind of had that<00:02:19.650> Scala<00:02:20.459> lineage<00:02:21.209> he<00:02:21.870> brought<00:02:22.110> it<00:02:22.260> here<00:02:22.680> we 00:02:23.240 --> 00:02:23.250 align:start position:0% that Scala lineage he brought it here we 00:02:23.250 --> 00:02:25.580 align:start position:0% that Scala lineage he brought it here we run<00:02:23.489> on<00:02:23.700> a<00:02:23.730> Twitter<00:02:24.030> stack<00:02:24.390> finagle<00:02:25.079> all<00:02:25.319> of 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cost to us or our customers<00:02:43.170> mm-hmm<00:02:44.390> and<00:02:45.390> Scala<00:02:45.840> is<00:02:46.079> very 00:02:46.670 --> 00:02:46.680 align:start position:0% customers mm-hmm and Scala is very 00:02:46.680 --> 00:02:48.949 align:start position:0% customers mm-hmm and Scala is very helpful<00:02:47.040> with<00:02:47.129> that<00:02:47.310> cool<00:02:48.299> so<00:02:48.569> I<00:02:48.599> didn't<00:02:48.930> know 00:02:48.949 --> 00:02:48.959 align:start position:0% helpful with that cool so I didn't know 00:02:48.959 --> 00:02:51.170 align:start position:0% helpful with that cool so I didn't know about<00:02:49.409> the<00:02:49.739> finagle<00:02:50.250> foundation<00:02:50.849> because<00:02:50.970> you 00:02:51.170 --> 00:02:51.180 align:start position:0% about the finagle foundation because you 00:02:51.180 --> 00:02:52.729 align:start position:0% about the finagle foundation because you know<00:02:51.269> we<00:02:51.359> just<00:02:51.540> ran<00:02:51.720> Scala<00:02:51.989> by<00:02:52.140> the<00:02:52.200> bay<00:02:52.379> ed 00:02:52.729 --> 00:02:52.739 align:start position:0% know we just ran Scala by the bay ed 00:02:52.739 --> 00:02:54.979 align:start position:0% know we just ran Scala by the bay ed yeah<00:02:53.519> right<00:02:53.819> where<00:02:54.030> Finnegan<00:02:54.480> was<00:02:54.599> in<00:02:54.720> the<00:02:54.810> air 00:02:54.979 --> 00:02:54.989 align:start position:0% yeah right where Finnegan was in the air 00:02:54.989 --> 00:02:58.399 align:start position:0% yeah right where Finnegan was in the air right<00:02:55.319> and<00:02:56.159> it<00:02:56.519> was<00:02:56.819> the<00:02:57.000> second<00:02:57.389> time<00:02:58.230> we 00:02:58.399 --> 00:02:58.409 align:start position:0% right and it was the second time we 00:02:58.409 --> 00:02:59.869 align:start position:0% right and it was the second time we actually<00:02:58.530> did<00:02:58.769> finagle<00:02:59.129> at<00:02:59.250> scala<00:02:59.549> by<00:02:59.670> the<00:02:59.730> bay 00:02:59.869 --> 00:02:59.879 align:start position:0% actually did finagle at scala by the bay 00:02:59.879 --> 00:03:02.750 align:start position:0% actually did finagle at scala by the bay right<00:03:00.030> Flossie<00:03:00.540> original<00:03:01.109> con<00:03:01.409> and<00:03:01.650> then<00:03:01.980> we 00:03:02.750 --> 00:03:02.760 align:start position:0% right Flossie original con and then we 00:03:02.760 --> 00:03:05.690 align:start position:0% right Flossie original con and then we kind<00:03:02.909> of<00:03:03.530> do<00:03:04.530> the<00:03:04.650> whole<00:03:04.769> thing<00:03:04.799> together<00:03:05.099> and 00:03:05.690 --> 00:03:05.700 align:start position:0% kind of do the whole thing together and 00:03:05.700 --> 00:03:07.490 align:start position:0% kind of do the whole thing together and so<00:03:06.000> one<00:03:06.150> of<00:03:06.180> the<00:03:06.420> reasons<00:03:06.810> we<00:03:06.989> want<00:03:07.230> to<00:03:07.319> bring 00:03:07.490 --> 00:03:07.500 align:start position:0% so one of the reasons we want to bring 00:03:07.500 --> 00:03:10.369 align:start position:0% so one of the reasons we want to bring Finnegan<00:03:07.980> out<00:03:08.099> of<00:03:08.159> Twitter<00:03:08.639> more<00:03:09.060> right<00:03:10.019> and 00:03:10.369 --> 00:03:10.379 align:start position:0% Finnegan out of Twitter more right and 00:03:10.379 --> 00:03:11.930 align:start position:0% Finnegan out of Twitter more right and want<00:03:10.739> to<00:03:10.769> help<00:03:10.950> them<00:03:11.159> basically<00:03:11.549> to<00:03:11.730> kind<00:03:11.909> of 00:03:11.930 --> 00:03:11.940 align:start position:0% want to help them basically to kind of 00:03:11.940 --> 00:03:14.539 align:start position:0% want to help them basically to kind of bring<00:03:12.180> the<00:03:12.209> goodness<00:03:12.870> of<00:03:13.200> it<00:03:13.920> to<00:03:14.280> the<00:03:14.400> world 00:03:14.539 --> 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position:0% your trajectory in engineering right so so<00:03:35.730> I<00:03:36.180> mean<00:03:36.599> you've<00:03:36.870> been<00:03:36.900> identified<00:03:37.620> I<00:03:37.889> know 00:03:37.970 --> 00:03:37.980 align:start position:0% so I mean you've been identified I know 00:03:37.980 --> 00:03:39.710 align:start position:0% so I mean you've been identified I know identified<00:03:38.609> since<00:03:38.970> they<00:03:39.150> were<00:03:39.209> on<00:03:39.299> Ruby 00:03:39.710 --> 00:03:39.720 align:start position:0% identified since they were on Ruby 00:03:39.720 --> 00:03:42.199 align:start position:0% identified since they were on Ruby people<00:03:40.290> they<00:03:40.470> switch<00:03:41.040> to<00:03:41.220> scala<00:03:41.489> right<00:03:41.849> yeah 00:03:42.199 --> 00:03:42.209 align:start position:0% people they switch to scala right yeah 00:03:42.209 --> 00:03:44.449 align:start position:0% people they switch to scala right yeah so<00:03:42.510> I<00:03:42.569> kind<00:03:42.780> of<00:03:42.840> follow<00:03:43.590> them<00:03:43.859> and<00:03:44.069> and 00:03:44.449 --> 00:03:44.459 align:start position:0% so I kind of follow them and and 00:03:44.459 --> 00:03:46.819 align:start position:0% so I kind of follow them and and obviously<00:03:44.790> workdays<00:03:45.209> a<00:03:45.470> one<00:03:46.470> of<00:03:46.560> the<00:03:46.650> biggest 00:03:46.819 --> 00:03:46.829 align:start position:0% obviously workdays a one of the biggest 00:03:46.829 --> 00:03:48.920 align:start position:0% obviously workdays a one of the biggest users<00:03:47.699> of<00:03:47.940> scholars<00:03:48.299> they<00:03:48.389> send<00:03:48.599> a<00:03:48.690> lot<00:03:48.810> of 00:03:48.920 --> 00:03:48.930 align:start position:0% users of scholars they send a lot of 00:03:48.930 --> 00:03:51.650 align:start position:0% users of scholars they send a lot of people<00:03:49.199> to<00:03:49.470> to<00:03:49.799> scale<00:03:50.310> by<00:03:50.430> the<00:03:50.489> bay<00:03:50.639> right<00:03:50.879> so 00:03:51.650 --> 00:03:51.660 align:start position:0% people to to scale by the bay right so 00:03:51.660 --> 00:03:54.470 align:start position:0% people to to scale by the bay right so and<00:03:52.079> you<00:03:52.500> do<00:03:52.620> like<00:03:53.099> the<00:03:53.220> photos<00:03:53.489> part<00:03:53.760> so<00:03:54.090> can 00:03:54.470 --> 00:03:54.480 align:start position:0% and you do like the photos part so can 00:03:54.480 --> 00:03:56.449 align:start position:0% and you do like the photos part so can tell<00:03:54.629> me<00:03:54.750> a<00:03:54.780> little<00:03:54.900> bit<00:03:55.019> you<00:03:55.199> know<00:03:55.230> how<00:03:56.040> kind 00:03:56.449 --> 00:03:56.459 align:start position:0% tell me a little bit you know how kind 00:03:56.459 --> 00:03:59.569 align:start position:0% tell me a little bit you know how kind of<00:03:56.579> your<00:03:57.060> career<00:03:57.389> kind<00:03:57.900> of<00:03:57.930> a<00:03:58.290> line<00:03:59.040> of<00:03:59.280> scala 00:03:59.569 --> 00:03:59.579 align:start position:0% of your career kind of a line of scala 00:03:59.579 --> 00:04:02.149 align:start position:0% of your career kind of a line of scala what<00:04:00.060> you<00:04:00.209> found<00:04:00.510> useful<00:04:01.169> what<00:04:01.919> you<00:04:02.010> found 00:04:02.149 --> 00:04:02.159 align:start position:0% what you found useful what you found 00:04:02.159 --> 00:04:05.059 align:start position:0% what you found useful what you found hard<00:04:02.579> what<00:04:03.449> do<00:04:03.599> you<00:04:03.690> want<00:04:03.840> to<00:04:03.989> not<00:04:04.709> repeat<00:04:05.010> a 00:04:05.059 --> 00:04:05.069 align:start position:0% hard what do you want to not repeat a 00:04:05.069 --> 00:04:07.339 align:start position:0% hard what do you want to not repeat a car<00:04:05.489> what<00:04:06.030> they<00:04:06.180> want<00:04:06.359> to<00:04:06.449> do<00:04:06.720> better<00:04:06.840> at<00:04:07.079> Laura 00:04:07.339 --> 00:04:07.349 align:start position:0% car what they want to do better at Laura 00:04:07.349 --> 00:04:11.089 align:start position:0% car what they want to do better at Laura sure<00:04:08.010> so<00:04:08.609> my<00:04:09.150> first<00:04:09.540> experience<00:04:10.470> with<00:04:10.709> Scala 00:04:11.089 --> 00:04:11.099 align:start position:0% sure so my first experience with Scala 00:04:11.099 --> 00:04:15.770 align:start position:0% sure so my first experience with Scala was<00:04:12.470> probably<00:04:13.470> in<00:04:13.709> 2009<00:04:14.669> when<00:04:15.389> I<00:04:15.419> was<00:04:15.629> at<00:04:15.750> a 00:04:15.770 --> 00:04:15.780 align:start position:0% was probably in 2009 when I was at a 00:04:15.780 --> 00:04:18.890 align:start position:0% was probably in 2009 when I was at a company<00:04:15.989> called<00:04:16.079> tag<00:04:16.609> tag<00:04:17.609> the<00:04:17.880> time<00:04:18.180> was<00:04:18.690> the 00:04:18.890 --> 00:04:18.900 align:start position:0% company called tag tag the time was the 00:04:18.900 --> 00:04:21.199 align:start position:0% company called tag tag the time was the third<00:04:19.289> largest<00:04:19.340> social<00:04:20.340> network<00:04:20.549> in<00:04:20.880> the<00:04:20.970> US 00:04:21.199 --> 00:04:21.209 align:start position:0% third largest social network in the US 00:04:21.209 --> 00:04:23.420 align:start position:0% third largest social network in the US after<00:04:21.449> first<00:04:21.900> was<00:04:22.049> my<00:04:22.229> space<00:04:22.560> then<00:04:23.130> Facebook 00:04:23.420 --> 00:04:23.430 align:start position:0% after first was my space then Facebook 00:04:23.430 --> 00:04:26.209 align:start position:0% after first was my space then Facebook then<00:04:23.909> tagged<00:04:24.530> and<00:04:25.530> one<00:04:26.070> of<00:04:26.130> the<00:04:26.190> other 00:04:26.209 --> 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he rewrote one of our services in Scala<00:04:32.130> go<00:04:32.730> on<00:04:32.880> I<00:04:33.270> was<00:04:33.600> not<00:04:33.720> Johan<00:04:34.080> he<00:04:34.560> was<00:04:34.680> the 00:04:34.730 --> 00:04:34.740 align:start position:0% Scala go on I was not Johan he was the 00:04:34.740 --> 00:04:36.500 align:start position:0% Scala go on I was not Johan he was the CTO<00:04:35.070> that's<00:04:35.370> right<00:04:35.490> this<00:04:36.090> was<00:04:36.180> one<00:04:36.330> of<00:04:36.360> our 00:04:36.500 --> 00:04:36.510 align:start position:0% CTO that's right this was one of our 00:04:36.510 --> 00:04:40.400 align:start position:0% CTO that's right this was one of our engineers<00:04:36.600> eat<00:04:37.230> I<00:04:37.410> and<00:04:38.010> Johan<00:04:38.880> the<00:04:39.030> CTO<00:04:39.410> look 00:04:40.400 --> 00:04:40.410 align:start position:0% engineers eat I and Johan the CTO look 00:04:40.410 --> 00:04:41.900 align:start position:0% engineers eat I and Johan the CTO look to<00:04:40.500> the<00:04:40.590> service<00:04:40.950> at<00:04:41.070> hate<00:04:41.220> this<00:04:41.580> is<00:04:41.730> very 00:04:41.900 --> 00:04:41.910 align:start position:0% to the service at hate this is very 00:04:41.910 --> 00:04:43.520 align:start position:0% to the service at hate this is very elegant<00:04:42.360> you<00:04:42.810> know<00:04:42.900> what<00:04:43.050> was<00:04:43.170> several 00:04:43.520 --> 00:04:43.530 align:start position:0% elegant you know what was several 00:04:43.530 --> 00:04:45.170 align:start position:0% elegant you know what was several hundred<00:04:43.560> lines<00:04:43.920> of<00:04:44.100> code<00:04:44.310> he<00:04:44.520> rewrote<00:04:44.850> in<00:04:45.030> like 00:04:45.170 --> 00:04:45.180 align:start position:0% hundred lines of code he rewrote in like 00:04:45.180 --> 00:04:48.770 align:start position:0% hundred lines of code he rewrote in like 30<00:04:45.570> or<00:04:45.690> 40<00:04:46.170> s<00:04:46.760> it<00:04:47.760> seemed<00:04:48.000> to<00:04:48.060> perform<00:04:48.420> equally 00:04:48.770 --> 00:04:48.780 align:start position:0% 30 or 40 s it seemed to perform equally 00:04:48.780 --> 00:04:51.770 align:start position:0% 30 or 40 s it seemed to perform equally well<00:04:48.990> I<00:04:49.500> was<00:04:49.890> much<00:04:50.040> easier<00:04:50.070> understand<00:04:50.820> and<00:04:51.060> he 00:04:51.770 --> 00:04:51.780 align:start position:0% well I was much easier understand and he 00:04:51.780 --> 00:04:54.620 align:start position:0% well I was much easier understand and he said<00:04:51.990> no<00:04:52.170> we<00:04:53.130> can't<00:04:53.370> ship<00:04:53.520> this<00:04:53.700> mm-hmm<00:04:54.300> like 00:04:54.620 --> 00:04:54.630 align:start position:0% said no we can't ship this mm-hmm like 00:04:54.630 --> 00:04:57.290 align:start position:0% said no we can't ship this mm-hmm like nobody<00:04:55.140> here<00:04:55.260> knows<00:04:55.440> Scala<00:04:55.970> there's<00:04:56.970> no<00:04:57.090> good 00:04:57.290 --> 00:04:57.300 align:start position:0% nobody here knows Scala there's no good 00:04:57.300 --> 00:04:58.820 align:start position:0% nobody here knows Scala there's no good tooling<00:04:57.630> support<00:04:57.990> for<00:04:58.140> scholars<00:04:58.500> no<00:04:58.590> idea 00:04:58.820 --> 00:04:58.830 align:start position:0% tooling support for scholars no idea 00:04:58.830 --> 00:05:00.410 align:start position:0% tooling support for scholars no idea supports<00:04:59.370> like<00:04:59.520> I'm<00:04:59.640> sorry<00:04:59.880> this<00:05:00.000> isn't<00:05:00.240> gonna 00:05:00.410 --> 00:05:00.420 align:start position:0% supports like I'm sorry this isn't gonna 00:05:00.420 --> 00:05:04.540 align:start position:0% supports like I'm sorry this isn't gonna work<00:05:00.510> out<00:05:01.310> eat<00:05:02.310> I<00:05:02.520> was<00:05:02.700> disappointed<00:05:02.940> I<00:05:03.450> was 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align:start position:0% reasons mostly because it seemed inaccessible<00:05:10.680> to<00:05:10.830> me<00:05:10.950> so<00:05:11.280> we<00:05:11.670> didn't<00:05:12.300> do 00:05:12.410 --> 00:05:12.420 align:start position:0% inaccessible to me so we didn't do 00:05:12.420 --> 00:05:14.570 align:start position:0% inaccessible to me so we didn't do anything<00:05:12.600> with<00:05:12.780> it<00:05:12.810> then<00:05:13.110> fast<00:05:14.100> forward<00:05:14.280> a 00:05:14.570 --> 00:05:14.580 align:start position:0% anything with it then fast forward a 00:05:14.580 --> 00:05:16.370 align:start position:0% anything with it then fast forward a couple<00:05:14.610> years<00:05:14.880> I'm<00:05:15.660> at<00:05:15.900> a<00:05:15.930> startup<00:05:16.200> called 00:05:16.370 --> 00:05:16.380 align:start position:0% couple years I'm at a startup called 00:05:16.380 --> 00:05:20.200 align:start position:0% couple years I'm at a startup called lion<00:05:16.680> side<00:05:16.980> we're<00:05:17.820> facebook<00:05:18.540> social<00:05:19.080> gaming 00:05:20.200 --> 00:05:20.210 align:start position:0% lion side we're facebook social gaming 00:05:20.210 --> 00:05:25.610 align:start position:0% lion side we're facebook social gaming and<00:05:22.010> I<00:05:23.010> was<00:05:23.220> had<00:05:23.880> joined<00:05:24.240> as<00:05:24.540> a<00:05:24.570> very<00:05:25.320> senior 00:05:25.610 --> 00:05:25.620 align:start position:0% and I was had joined as a very senior 00:05:25.620 --> 00:05:28.100 align:start position:0% and I was had joined as a very senior engineer<00:05:26.040> head<00:05:26.790> of<00:05:26.910> engineering<00:05:27.030> VP<00:05:27.810> madryn 00:05:28.100 --> 00:05:28.110 align:start position:0% engineer head of engineering VP madryn 00:05:28.110 --> 00:05:29.840 align:start position:0% engineer head of engineering VP madryn didn't<00:05:28.320> work<00:05:28.440> out<00:05:28.590> I<00:05:28.860> somehow<00:05:29.250> became<00:05:29.610> de 00:05:29.840 --> 00:05:29.850 align:start position:0% didn't work out I somehow became de 00:05:29.850 --> 00:05:32.480 align:start position:0% didn't work out I somehow became de facto<00:05:30.500> person<00:05:31.500> running<00:05:31.740> engineering<00:05:32.160> over 00:05:32.480 --> 00:05:32.490 align:start position:0% facto person running engineering over 00:05:32.490 --> 00:05:35.600 align:start position:0% facto person running engineering over there<00:05:32.640> okay<00:05:32.940> and<00:05:33.380> I<00:05:34.380> was<00:05:34.830> an<00:05:34.920> intelligent<00:05:35.430> user 00:05:35.600 --> 00:05:35.610 align:start position:0% there okay and I was an intelligent user 00:05:35.610 --> 00:05:37.820 align:start position:0% there okay and I was an intelligent user and<00:05:35.880> IntelliJ<00:05:36.480> Scala<00:05:36.750> plugin<00:05:37.140> came<00:05:37.320> out<00:05:37.500> yes 00:05:37.820 --> 00:05:37.830 align:start position:0% and IntelliJ Scala plugin came out yes 00:05:37.830 --> 00:05:39.710 align:start position:0% and IntelliJ Scala plugin came out yes so<00:05:38.220> I<00:05:38.280> said<00:05:38.430> all<00:05:38.490> right<00:05:38.550> let<00:05:39.060> me<00:05:39.090> try<00:05:39.180> this<00:05:39.390> out 00:05:39.710 --> 00:05:39.720 align:start position:0% so I said all right let me try this out 00:05:39.720 --> 00:05:41.540 align:start position:0% so I said all right let me try this out and<00:05:40.020> this<00:05:40.410> hadn't<00:05:40.710> just<00:05:40.980> come<00:05:41.160> out<00:05:41.250> I'd<00:05:41.370> been 00:05:41.540 --> 00:05:41.550 align:start position:0% and this hadn't just come out I'd been 00:05:41.550 --> 00:05:42.650 align:start position:0% and this hadn't just come out I'd been kind<00:05:41.730> of<00:05:41.760> playing<00:05:42.090> with<00:05:42.270> it<00:05:42.390> a<00:05:42.420> little<00:05:42.540> bit 00:05:42.650 --> 00:05:42.660 align:start position:0% kind of playing with it a little bit 00:05:42.660 --> 00:05:45.650 align:start position:0% kind of playing with it a little bit some<00:05:43.590> new<00:05:43.770> iteration<00:05:44.250> which<00:05:44.400> came<00:05:44.580> out<00:05:44.760> and<00:05:45.150> we 00:05:45.650 --> 00:05:45.660 align:start position:0% some new iteration which came out and we 00:05:45.660 --> 00:05:48.290 align:start position:0% some new iteration which came out and we tried<00:05:45.930> it<00:05:46.110> okay<00:05:46.410> we<00:05:47.070> finally<00:05:47.550> have<00:05:47.760> some<00:05:48.120> likes 00:05:48.290 --> 00:05:48.300 align:start position:0% tried it okay we finally have some likes 00:05:48.300 --> 00:05:50.510 align:start position:0% tried it okay we finally have some likes decent<00:05:48.780> syntax<00:05:49.230> highlighting<00:05:49.830> and<00:05:50.040> a<00:05:50.160> little 00:05:50.510 --> 00:05:50.520 align:start position:0% decent syntax highlighting and a little 00:05:50.520 --> 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right<00:05:55.860> on<00:05:56.040> the<00:05:56.160> right<00:05:57.770> okay<00:05:58.770> look<00:05:59.010> this<00:05:59.280> is 00:05:59.480 --> 00:05:59.490 align:start position:0% right on the right okay look this is 00:05:59.490 --> 00:06:01.280 align:start position:0% right on the right okay look this is actually<00:05:59.820> viable<00:06:00.060> like<00:06:00.420> I<00:06:00.510> think<00:06:00.660> people<00:06:00.810> this 00:06:01.280 --> 00:06:01.290 align:start position:0% actually viable like I think people this 00:06:01.290 --> 00:06:05.030 align:start position:0% actually viable like I think people this gave<00:06:01.830> people<00:06:02.100> it<00:06:02.670> felt<00:06:03.420> that<00:06:03.540> it<00:06:04.500> was<00:06:04.680> enough 00:06:05.030 --> 00:06:05.040 align:start position:0% gave people it felt that it was enough 00:06:05.040 --> 00:06:07.700 align:start position:0% gave people it felt that it was enough of<00:06:05.220> a<00:06:05.310> guardrail<00:06:05.840> for<00:06:06.840> someone<00:06:07.230> who's<00:06:07.350> coding 00:06:07.700 --> 00:06:07.710 align:start position:0% of a guardrail for someone who's coding 00:06:07.710 --> 00:06:09.890 align:start position:0% of a guardrail for someone who's coding a<00:06:07.770> job<00:06:08.040> at<00:06:08.220> a<00:06:08.280> try<00:06:08.580> Scala<00:06:08.970> out<00:06:09.270> and<00:06:09.630> even<00:06:09.840> if 00:06:09.890 --> 00:06:09.900 align:start position:0% a job at a try Scala out and even if 00:06:09.900 --> 00:06:11.630 align:start position:0% a job at a try Scala out and even if they<00:06:09.990> don't<00:06:10.080> know<00:06:10.260> the<00:06:10.410> syntax<00:06:10.620> the<00:06:11.070> IDE<00:06:11.430> would 00:06:11.630 --> 00:06:11.640 align:start position:0% they don't know the syntax the IDE would 00:06:11.640 --> 00:06:14.960 align:start position:0% they don't know the syntax the IDE would kind<00:06:11.880> of<00:06:12.000> guide<00:06:12.690> you<00:06:12.960> yes<00:06:13.370> so<00:06:14.370> we<00:06:14.490> tried<00:06:14.730> it<00:06:14.880> out 00:06:14.960 --> 00:06:14.970 align:start position:0% kind of guide you yes so we tried it out 00:06:14.970 --> 00:06:17.960 align:start position:0% kind of guide you yes so we tried it out and<00:06:15.240> we<00:06:15.990> started<00:06:16.410> migrating<00:06:16.730> some<00:06:17.730> of<00:06:17.850> our 00:06:17.960 --> 00:06:17.970 align:start position:0% and we started migrating some of our 00:06:17.970 --> 00:06:20.870 align:start position:0% and we started migrating some of our Java<00:06:18.240> code<00:06:18.480> into<00:06:18.870> Scala<00:06:19.170> it<00:06:19.920> was<00:06:20.040> nice<00:06:20.160> okay 00:06:20.870 --> 00:06:20.880 align:start position:0% Java code into Scala it was nice okay 00:06:20.880 --> 00:06:23.210 align:start position:0% Java code into Scala it was nice okay and<00:06:21.090> it<00:06:21.210> worked<00:06:21.390> okay<00:06:22.020> and<00:06:22.230> it<00:06:22.500> was<00:06:22.590> slow<00:06:22.860> and 00:06:23.210 --> 00:06:23.220 align:start position:0% and it worked okay and it was slow and 00:06:23.220 --> 00:06:25.100 align:start position:0% and it worked okay and it was slow and it<00:06:23.490> was<00:06:23.610> kind<00:06:23.820> of<00:06:23.880> cumbersome<00:06:24.390> but<00:06:24.660> like<00:06:24.810> it 00:06:25.100 --> 00:06:25.110 align:start position:0% it was kind of cumbersome but like it 00:06:25.110 --> 00:06:27.520 align:start position:0% it was kind of cumbersome but like it did<00:06:25.410> the<00:06:25.440> job<00:06:25.530> and<00:06:25.980> we<00:06:26.040> were<00:06:26.130> happy<00:06:26.280> with<00:06:26.460> it 00:06:27.520 --> 00:06:27.530 align:start position:0% did the job and we were happy with it 00:06:27.530 --> 00:06:30.740 align:start position:0% did the job and we were happy with it fast<00:06:28.530> forward<00:06:28.830> another<00:06:28.980> year<00:06:29.790> and<00:06:29.850> a<00:06:29.940> half<00:06:30.090> I'm 00:06:30.740 --> 00:06:30.750 align:start position:0% fast forward another year and a half I'm 00:06:30.750 --> 00:06:33.320 align:start position:0% fast forward another year and a half I'm now<00:06:31.020> CTO<00:06:31.530> at<00:06:32.160> a<00:06:32.220> start-up<00:06:32.550> Cole<00:06:32.730> identified 00:06:33.320 --> 00:06:33.330 align:start position:0% now CTO at a start-up Cole identified 00:06:33.330 --> 00:06:35.030 align:start position:0% now CTO at a start-up Cole identified yes 00:06:35.030 --> 00:06:35.040 align:start position:0% yes 00:06:35.040 --> 00:06:36.740 align:start position:0% yes we're<00:06:35.220> hitting<00:06:35.760> all<00:06:35.880> kinds<00:06:36.210> of<00:06:36.270> scalability 00:06:36.740 --> 00:06:36.750 align:start position:0% we're hitting all kinds of scalability 00:06:36.750 --> 00:06:40.190 align:start position:0% we're hitting all kinds of scalability challenges<00:06:37.560> and<00:06:38.150> we<00:06:39.150> got<00:06:39.360> there's<00:06:39.690> got<00:06:40.080> to<00:06:40.170> be 00:06:40.190 --> 00:06:40.200 align:start position:0% challenges and we got there's got to be 00:06:40.200 --> 00:06:41.510 align:start position:0% challenges and we got there's got to be something<00:06:40.380> to<00:06:40.530> make<00:06:40.650> it<00:06:40.770> run<00:06:40.950> and<00:06:41.160> we<00:06:41.430> were 00:06:41.510 --> 00:06:41.520 align:start position:0% something to make it run and we were 00:06:41.520 --> 00:06:43.370 align:start position:0% something to make it run and we were using<00:06:41.700> a<00:06:41.850> bunch<00:06:42.030> of<00:06:42.090> ruby<00:06:42.300> on<00:06:42.390> rails<00:06:42.420> which<00:06:43.290> is 00:06:43.370 --> 00:06:43.380 align:start position:0% using a bunch of ruby on rails which is 00:06:43.380 --> 00:06:48.530 align:start position:0% using a bunch of ruby on rails which is great<00:06:43.670> but<00:06:44.960> like<00:06:46.430> you<00:06:47.430> can't<00:06:47.700> write<00:06:47.970> like 00:06:48.530 --> 00:06:48.540 align:start position:0% great but like you can't write like 00:06:48.540 --> 00:06:50.720 align:start position:0% great but like you can't write like persistent<00:06:49.140> services<00:06:49.920> that<00:06:50.160> are<00:06:50.220> running<00:06:50.460> and 00:06:50.720 --> 00:06:50.730 align:start position:0% persistent services that are running and 00:06:50.730 --> 00:06:52.730 align:start position:0% persistent services that are running and processing<00:06:51.180> things<00:06:51.390> in<00:06:51.690> memory<00:06:52.050> like<00:06:52.470> no<00:06:52.680> you 00:06:52.730 --> 00:06:52.740 align:start position:0% processing things in memory like no you 00:06:52.740 --> 00:06:54.410 align:start position:0% processing things in memory like no you got<00:06:53.010> like<00:06:53.100> you<00:06:53.250> rut<00:06:53.520> essentially<00:06:54.000> it's<00:06:54.240> almost 00:06:54.410 --> 00:06:54.420 align:start position:0% got like you rut essentially it's almost 00:06:54.420 --> 00:06:56.030 align:start position:0% got like you rut essentially it's almost like<00:06:54.570> a<00:06:54.630> PHP<00:06:55.020> model<00:06:55.290> rather<00:06:55.440> start<00:06:55.800> a<00:06:55.860> process 00:06:56.030 --> 00:06:56.040 align:start position:0% like a PHP model rather start a process 00:06:56.040 --> 00:07:00.110 align:start position:0% like a PHP model rather start a process you<00:06:56.370> do<00:06:56.490> stuff<00:06:56.670> and<00:06:56.850> you're<00:06:56.940> done<00:06:58.580> so<00:06:59.580> we<00:06:59.610> we 00:07:00.110 --> 00:07:00.120 align:start position:0% you do stuff and you're done so we we 00:07:00.120 --> 00:07:02.210 align:start position:0% you do stuff and you're done so we we tried<00:07:00.360> Scala<00:07:00.660> for<00:07:00.870> the<00:07:00.930> I<00:07:00.960> knew<00:07:01.260> Scala<00:07:01.590> nobody 00:07:02.210 --> 00:07:02.220 align:start position:0% tried Scala for the I knew Scala nobody 00:07:02.220 --> 00:07:04.130 align:start position:0% tried Scala for the I knew Scala nobody else<00:07:02.370> in<00:07:02.520> the<00:07:02.550> company<00:07:02.880> actually<00:07:03.090> did<00:07:03.510> but<00:07:04.110> I 00:07:04.130 --> 00:07:04.140 align:start position:0% else in the company actually did but I 00:07:04.140 --> 00:07:05.570 align:start position:0% else in the company actually did but I kind<00:07:04.350> of<00:07:04.380> encouraged<00:07:04.710> some<00:07:04.950> engineers<00:07:05.400> to 00:07:05.570 --> 00:07:05.580 align:start position:0% kind of encouraged some engineers to 00:07:05.580 --> 00:07:07.550 align:start position:0% kind of encouraged some engineers to pick<00:07:05.730> it<00:07:05.850> up<00:07:06.000> they<00:07:06.720> ran<00:07:06.960> with<00:07:07.170> it<00:07:07.230> we're<00:07:07.380> really 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align:start position:0% started processing our big data in scalding<00:07:22.550> mm-hmm<00:07:23.550> Hadoop<00:07:23.910> yes<00:07:24.360> and<00:07:25.080> scalding 00:07:25.850 --> 00:07:25.860 align:start position:0% scalding mm-hmm Hadoop yes and scalding 00:07:25.860 --> 00:07:27.440 align:start position:0% scalding mm-hmm Hadoop yes and scalding was<00:07:25.980> a<00:07:26.010> really<00:07:26.220> nice<00:07:26.400> way<00:07:26.670> of<00:07:26.700> doing<00:07:27.060> that<00:07:27.180> I'm 00:07:27.440 --> 00:07:27.450 align:start position:0% was a really nice way of doing that I'm 00:07:27.450 --> 00:07:30.950 align:start position:0% was a really nice way of doing that I'm not<00:07:27.570> gonna<00:07:27.690> her<00:07:29.030> office<00:07:30.030> or<00:07:30.150> something<00:07:30.480> yeah 00:07:30.950 --> 00:07:30.960 align:start position:0% not gonna her office or something yeah 00:07:30.960 --> 00:07:32.890 align:start position:0% not gonna her office or something yeah yeah<00:07:31.470> so<00:07:31.680> that<00:07:31.830> was<00:07:31.860> that<00:07:31.980> was<00:07:32.280> really<00:07:32.520> helpful 00:07:32.890 --> 00:07:32.900 align:start position:0% yeah so that was that was really helpful 00:07:32.900 --> 00:07:35.960 align:start position:0% yeah so that was that was really helpful then<00:07:33.900> we<00:07:34.020> get<00:07:34.140> acquired<00:07:34.440> mm-hmm<00:07:35.250> by<00:07:35.520> workday 00:07:35.960 --> 00:07:35.970 align:start position:0% then we get acquired mm-hmm by workday 00:07:35.970 --> 00:07:38.180 align:start position:0% then we get acquired mm-hmm by workday yeah<00:07:36.330> and<00:07:36.600> we<00:07:37.320> kind<00:07:37.500> of<00:07:37.560> became<00:07:37.800> the<00:07:37.950> data 00:07:38.180 --> 00:07:38.190 align:start position:0% yeah and we kind of became the data 00:07:38.190 --> 00:07:40.150 align:start position:0% yeah and we kind of became the data products<00:07:38.760> team<00:07:38.970> at<00:07:39.120> work<00:07:39.240> day<00:07:39.450> because<00:07:39.780> data 00:07:40.150 --> 00:07:40.160 align:start position:0% products team at work day because data 00:07:40.160 --> 00:07:43.970 align:start position:0% products team at work day because data analytics<00:07:41.160> machine<00:07:41.640> learning<00:07:42.230> and<00:07:43.230> we<00:07:43.620> went 00:07:43.970 --> 00:07:43.980 align:start position:0% analytics machine learning and we went 00:07:43.980 --> 00:07:46.280 align:start position:0% analytics machine learning and we went from<00:07:44.220> like<00:07:44.430> a<00:07:44.490> half<00:07:44.850> Ruby<00:07:45.270> half<00:07:45.450> Scala<00:07:45.810> shop<00:07:46.110> at 00:07:46.280 --> 00:07:46.290 align:start position:0% from like a half Ruby half Scala shop at 00:07:46.290 --> 00:07:48.590 align:start position:0% from like a half Ruby half Scala shop at that<00:07:46.440> point<00:07:46.710> to<00:07:47.010> one<00:07:47.820> hundred<00:07:47.970> percent<00:07:48.150> or<00:07:48.540> at 00:07:48.590 --> 00:07:48.600 align:start position:0% that point to one hundred percent or at 00:07:48.600 --> 00:07:50.780 align:start position:0% that point to one hundred percent or at ninety<00:07:48.960> percent<00:07:49.140> Scala<00:07:49.650> whereas<00:07:50.070> all<00:07:50.310> big 00:07:50.780 --> 00:07:50.790 align:start position:0% ninety percent Scala whereas all big 00:07:50.790 --> 00:07:53.300 align:start position:0% ninety percent Scala whereas all big data<00:07:51.060> all<00:07:51.420> the<00:07:51.480> time<00:07:51.630> all<00:07:52.470> the<00:07:52.770> services<00:07:53.190> were 00:07:53.300 --> 00:07:53.310 align:start position:0% data all the time all the services were 00:07:53.310 --> 00:07:55.160 align:start position:0% data all the time all the services were writing<00:07:53.610> in<00:07:53.700> Scala<00:07:54.030> we'd<00:07:54.360> moved<00:07:54.600> up<00:07:54.780> over<00:07:55.050> to 00:07:55.160 --> 00:07:55.170 align:start position:0% writing in Scala we'd moved up over to 00:07:55.170 --> 00:07:57.710 align:start position:0% writing in Scala we'd moved up over to spark<00:07:55.470> mm-hmm<00:07:56.220> which<00:07:56.850> is<00:07:57.000> all<00:07:57.120> you<00:07:57.270> know<00:07:57.330> Scala 00:07:57.710 --> 00:07:57.720 align:start position:0% spark mm-hmm which is all you know Scala 00:07:57.720 --> 00:08:00.620 align:start position:0% spark mm-hmm which is all you know Scala base<00:07:57.960> yeah<00:07:58.410> and<00:07:58.790> I<00:07:59.790> kind<00:08:00.000> of<00:08:00.030> never<00:08:00.180> look<00:08:00.390> back 00:08:00.620 --> 00:08:00.630 align:start position:0% base yeah and I kind of never look back 00:08:00.630 --> 00:08:03.350 align:start position:0% base yeah and I kind of never look back and<00:08:00.960> then<00:08:01.740> incidentally<00:08:02.430> when<00:08:02.610> I<00:08:02.640> was<00:08:02.790> looking 00:08:03.350 --> 00:08:03.360 align:start position:0% and then incidentally when I was looking 00:08:03.360 --> 00:08:06.980 align:start position:0% and then incidentally when I was looking for<00:08:03.540> transition<00:08:04.080> and<00:08:04.910> I<00:08:05.910> chose<00:08:06.150> Clara<00:08:06.630> as<00:08:06.810> my 00:08:06.980 --> 00:08:06.990 align:start position:0% for transition and I chose Clara as my 00:08:06.990 --> 00:08:08.630 align:start position:0% for transition and I chose Clara as my the<00:08:07.380> next<00:08:07.590> step<00:08:07.740> for<00:08:07.770> my<00:08:07.980> career<00:08:08.040> they<00:08:08.580> were 00:08:08.630 --> 00:08:08.640 align:start position:0% the next step for my career they were 00:08:08.640 --> 00:08:10.730 align:start position:0% the next step for my career they were already<00:08:09.000> on<00:08:09.120> skull<00:08:09.450> all<00:08:09.660> right<00:08:09.870> so<00:08:10.140> I<00:08:10.170> got<00:08:10.380> all 00:08:10.730 --> 00:08:10.740 align:start position:0% already on skull all right so I got all 00:08:10.740 --> 00:08:12.350 align:start position:0% already on skull all right so I got all right<00:08:10.890> all<00:08:11.160> right<00:08:11.190> right<00:08:11.550> yeah<00:08:11.700> no<00:08:12.090> this<00:08:12.270> is 00:08:12.350 --> 00:08:12.360 align:start position:0% right all right right yeah no this is 00:08:12.360 --> 00:08:14.420 align:start position:0% right all right right yeah no this is great<00:08:12.570> this<00:08:12.780> is<00:08:13.230> great<00:08:13.350> so<00:08:13.620> Simon<00:08:14.010> still<00:08:14.250> works 00:08:14.420 --> 00:08:14.430 align:start position:0% great this is great so Simon still works 00:08:14.430 --> 00:08:16.670 align:start position:0% great this is great so Simon still works for<00:08:14.640> Simon<00:08:15.630> team<00:08:15.840> which<00:08:16.140> was<00:08:16.290> the<00:08:16.380> former 00:08:16.670 --> 00:08:16.680 align:start position:0% for Simon team which was the former 00:08:16.680 --> 00:08:18.920 align:start position:0% for Simon team which was the former identify<00:08:17.040> teams<00:08:17.250> to<00:08:17.460> work<00:08:17.700> this<00:08:17.940> they're<00:08:18.780> very 00:08:18.920 --> 00:08:18.930 align:start position:0% identify teams to work this they're very 00:08:18.930 --> 00:08:22.910 align:start position:0% identify teams to work this they're very happy<00:08:19.610> and<00:08:20.610> growing<00:08:21.090> yeah<00:08:21.390> we<00:08:21.660> you<00:08:22.620> know<00:08:22.710> we've 00:08:22.910 --> 00:08:22.920 align:start position:0% happy and growing yeah we you know we've 00:08:22.920 --> 00:08:24.800 align:start position:0% happy and growing yeah we you know we've met<00:08:23.100> a<00:08:23.130> lot<00:08:23.250> of<00:08:23.520> folks<00:08:23.760> you<00:08:24.090> know<00:08:24.150> what<00:08:24.390> one<00:08:24.780> of 00:08:24.800 --> 00:08:24.810 align:start position:0% met a lot of folks you know what one of 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amount of Scotland startup world<00:08:32.760> and<00:08:33.180> kind<00:08:33.510> of<00:08:33.599> the<00:08:34.050> benefits<00:08:34.380> a 00:08:34.400 --> 00:08:34.410 align:start position:0% world and kind of the benefits a 00:08:34.410 --> 00:08:37.190 align:start position:0% world and kind of the benefits a comeback<00:08:34.710> I<00:08:34.860> would<00:08:35.160> kind<00:08:35.550> of<00:08:35.870> give<00:08:36.870> you<00:08:36.930> a<00:08:37.020> kind 00:08:37.190 --> 00:08:37.200 align:start position:0% comeback I would kind of give you a kind 00:08:37.200 --> 00:08:39.020 align:start position:0% comeback I would kind of give you a kind of<00:08:37.320> an<00:08:37.530> interesting<00:08:37.680> data<00:08:38.490> point<00:08:38.610> and<00:08:38.940> I 00:08:39.020 --> 00:08:39.030 align:start position:0% of an interesting data point and I 00:08:39.030 --> 00:08:40.100 align:start position:0% of an interesting data point and I wonder<00:08:39.270> what<00:08:39.419> you<00:08:39.479> think<00:08:39.660> about<00:08:39.720> it<00:08:39.960> so<00:08:40.080> I 00:08:40.100 --> 00:08:40.110 align:start position:0% wonder what you think about it so I 00:08:40.110 --> 00:08:43.640 align:start position:0% wonder what you think about it so I found<00:08:40.590> that<00:08:40.950> in<00:08:41.760> the<00:08:42.030> last<00:08:42.150> year<00:08:42.599> yeah<00:08:42.960> several 00:08:43.640 --> 00:08:43.650 align:start position:0% found that in the last year yeah several 00:08:43.650 --> 00:08:45.740 align:start position:0% found that in the last year yeah several fin<00:08:44.310> tech<00:08:44.490> startups<00:08:44.940> wish<00:08:45.150> wish<00:08:45.420> I<00:08:45.510> kind<00:08:45.720> of 00:08:45.740 --> 00:08:45.750 align:start position:0% fin tech startups wish wish I kind of 00:08:45.750 --> 00:08:46.860 align:start position:0% fin tech startups wish wish I kind of called<00:08:45.990> loosely 00:08:46.860 --> 00:08:46.870 align:start position:0% called loosely 00:08:46.870 --> 00:08:49.260 align:start position:0% called loosely protected<00:08:47.440> by<00:08:47.470> anything<00:08:47.920> so<00:08:48.190> basically<00:08:49.060> we 00:08:49.260 --> 00:08:49.270 align:start position:0% protected by anything so basically we 00:08:49.270 --> 00:08:51.269 align:start position:0% protected by anything so basically we should<00:08:49.390> have<00:08:49.540> something<00:08:49.720> do<00:08:49.900> finance<00:08:50.279> start 00:08:51.269 --> 00:08:51.279 align:start position:0% should have something do finance start 00:08:51.279 --> 00:08:52.980 align:start position:0% should have something do finance start using<00:08:51.460> scholars<00:08:51.940> so<00:08:52.210> there<00:08:52.779> are<00:08:52.839> several 00:08:52.980 --> 00:08:52.990 align:start position:0% using scholars so there are several 00:08:52.990 --> 00:08:54.750 align:start position:0% using scholars so there are several companies<00:08:53.380> we<00:08:53.650> should<00:08:53.800> be<00:08:53.860> using<00:08:54.040> Bitcoin<00:08:54.490> for 00:08:54.750 --> 00:08:54.760 align:start position:0% companies we should be using Bitcoin for 00:08:54.760 --> 00:08:57.780 align:start position:0% companies we should be using Bitcoin for whatever<00:08:54.970> reason<00:08:55.450> uh<00:08:56.279> you<00:08:57.279> know<00:08:57.400> Bitcoin 00:08:57.780 --> 00:08:57.790 align:start position:0% whatever reason uh you know Bitcoin 00:08:57.790 --> 00:09:00.180 align:start position:0% whatever reason uh you know Bitcoin blockchain<00:08:58.180> actually<00:08:58.930> has<00:08:59.110> a<00:08:59.140> lot<00:08:59.350> of<00:08:59.380> open 00:09:00.180 --> 00:09:00.190 align:start position:0% blockchain actually has a lot of open 00:09:00.190 --> 00:09:02.100 align:start position:0% blockchain actually has a lot of open source<00:09:00.279> projects<00:09:00.760> using<00:09:00.970> scholars<00:09:01.360> own<00:09:01.660> so 00:09:02.100 --> 00:09:02.110 align:start position:0% source projects using scholars own so 00:09:02.110 --> 00:09:03.750 align:start position:0% source projects using scholars own so that<00:09:02.140> that<00:09:02.650> actually<00:09:02.800> is<00:09:03.220> interesting<00:09:03.640> it 00:09:03.750 --> 00:09:03.760 align:start position:0% that that actually is interesting it 00:09:03.760 --> 00:09:05.160 align:start position:0% that that actually is interesting it then<00:09:03.910> there<00:09:04.270> is<00:09:04.360> not<00:09:04.450> a<00:09:04.510> communicant<00:09:04.930> alley 00:09:05.160 --> 00:09:05.170 align:start position:0% then there is not a communicant alley 00:09:05.170 --> 00:09:07.680 align:start position:0% then there is not a communicant alley and<00:09:06.010> they<00:09:06.370> recently<00:09:06.760> joined<00:09:07.000> us<00:09:07.180> the<00:09:07.390> funnel 00:09:07.680 --> 00:09:07.690 align:start position:0% and they recently joined us the funnel 00:09:07.690 --> 00:09:10.610 align:start position:0% and they recently joined us the funnel by<00:09:07.779> shasta<00:09:07.990> which<00:09:08.950> finds<00:09:09.339> you<00:09:09.460> know<00:09:09.610> a<00:09:09.640> lot<00:09:09.790> of 00:09:10.610 --> 00:09:10.620 align:start position:0% by shasta which finds you know a lot of 00:09:10.620 --> 00:09:12.570 align:start position:0% by shasta which finds you know a lot of scholar<00:09:11.620> companies<00:09:11.980> right<00:09:12.190> including 00:09:12.570 --> 00:09:12.580 align:start position:0% scholar companies right including 00:09:12.580 --> 00:09:15.150 align:start position:0% scholar companies right including website<00:09:13.300> flight<00:09:13.480> band<00:09:13.690> and<00:09:13.900> so<00:09:14.320> they<00:09:14.560> want<00:09:15.010> to 00:09:15.150 --> 00:09:15.160 align:start position:0% website flight band and so they want to 00:09:15.160 --> 00:09:18.240 align:start position:0% website flight band and so they want to build<00:09:15.400> a<00:09:15.790> new<00:09:16.330> bank<00:09:16.630> they<00:09:17.260> basically<00:09:17.529> want<00:09:17.950> to 00:09:18.240 --> 00:09:18.250 align:start position:0% build a new bank they basically want to 00:09:18.250 --> 00:09:20.190 align:start position:0% build a new bank they basically want to effectively<00:09:19.060> refine<00:09:19.480> your<00:09:19.630> credit<00:09:19.900> cards 00:09:20.190 --> 00:09:20.200 align:start position:0% effectively refine your credit cards 00:09:20.200 --> 00:09:22.170 align:start position:0% effectively refine your credit cards right<00:09:20.560> take<00:09:20.860> a<00:09:20.890> better<00:09:21.310> line<00:09:21.610> of<00:09:21.730> credit<00:09:21.910> to 00:09:22.170 --> 00:09:22.180 align:start position:0% right take a better line of credit to 00:09:22.180 --> 00:09:23.519 align:start position:0% right take a better line of credit to repair<00:09:22.510> credit<00:09:22.690> cards<00:09:23.050> and<00:09:23.170> let<00:09:23.260> you<00:09:23.350> manage 00:09:23.519 --> 00:09:23.529 align:start position:0% repair credit cards and let you manage 00:09:23.529 --> 00:09:26.760 align:start position:0% repair credit cards and let you manage that<00:09:23.680> mm-hmm<00:09:24.580> and<00:09:24.760> when<00:09:25.180> i<00:09:25.210> talk<00:09:25.450> to<00:09:25.570> them<00:09:25.810> what 00:09:26.760 --> 00:09:26.770 align:start position:0% that mm-hmm and when i talk to them what 00:09:26.770 --> 00:09:30.060 align:start position:0% that mm-hmm and when i talk to them what was<00:09:27.010> the<00:09:27.279> reasons<00:09:28.240> they<00:09:28.450> chose<00:09:28.750> scholar<00:09:29.110> they 00:09:30.060 --> 00:09:30.070 align:start position:0% was the reasons they chose scholar they 00:09:30.070 --> 00:09:31.530 align:start position:0% was the reasons they chose scholar they mentioned<00:09:30.460> several<00:09:30.640> of<00:09:31.029> the<00:09:31.150> measurement 00:09:31.530 --> 00:09:31.540 align:start position:0% mentioned several of the measurement 00:09:31.540 --> 00:09:33.780 align:start position:0% mentioned several of the measurement correctness<00:09:32.080> right<00:09:33.010> I<00:09:33.040> got<00:09:33.279> the<00:09:33.310> financial 00:09:33.780 --> 00:09:33.790 align:start position:0% correctness right I got the financial 00:09:33.790 --> 00:09:35.579 align:start position:0% correctness right I got the financial situation<00:09:33.940> but<00:09:34.390> they<00:09:34.480> also<00:09:34.600> mention<00:09:35.110> that<00:09:35.140> it 00:09:35.579 --> 00:09:35.589 align:start position:0% situation but they also mention that it 00:09:35.589 --> 00:09:38.900 align:start position:0% situation but they also mention that it makes<00:09:36.040> it<00:09:36.250> potentially<00:09:36.610> easier<00:09:37.210> ah<00:09:37.930> to<00:09:38.529> enable 00:09:38.900 --> 00:09:38.910 align:start position:0% makes it potentially easier ah to enable 00:09:38.910 --> 00:09:42.750 align:start position:0% makes it potentially easier ah to enable acquisition<00:09:39.910> because<00:09:41.070> financial<00:09:42.070> com<00:09:42.190> is<00:09:42.310> no 00:09:42.750 --> 00:09:42.760 align:start position:0% acquisition because financial com is no 00:09:42.760 --> 00:09:45.030 align:start position:0% acquisition because financial com is no job<00:09:43.000> a<00:09:43.330> lot<00:09:43.570> of<00:09:43.690> banks<00:09:43.870> are<00:09:44.020> using<00:09:44.200> Java<00:09:44.560> right 00:09:45.030 --> 00:09:45.040 align:start position:0% job a lot of banks are using Java right 00:09:45.040 --> 00:09:48.300 align:start position:0% job a lot of banks are using Java right so<00:09:45.250> basically<00:09:46.089> the<00:09:46.990> the<00:09:47.230> already<00:09:47.500> of<00:09:47.710> GBM<00:09:48.070> and 00:09:48.300 --> 00:09:48.310 align:start position:0% so basically the the already of GBM and 00:09:48.310 --> 00:09:51.240 align:start position:0% so basically the the already of GBM and so<00:09:48.640> the<00:09:48.850> reason<00:09:49.029> goes<00:09:49.410> that<00:09:50.410> scholar<00:09:50.890> runs<00:09:51.100> on 00:09:51.240 --> 00:09:51.250 align:start position:0% so the reason goes that scholar runs on 00:09:51.250 --> 00:09:53.370 align:start position:0% so the reason goes that scholar runs on gdm<00:09:51.700> at<00:09:51.910> the<00:09:52.060> four<00:09:52.330> it's<00:09:52.540> easy<00:09:52.779> to<00:09:53.050> interrupt 00:09:53.370 --> 00:09:53.380 align:start position:0% gdm at the four it's easy to interrupt 00:09:53.380 --> 00:09:57.150 align:start position:0% gdm at the four it's easy to interrupt with<00:09:54.180> larger<00:09:55.180> companies<00:09:55.570> and<00:09:55.839> so<00:09:55.990> I<00:09:56.230> wonder<00:09:56.860> if 00:09:57.150 --> 00:09:57.160 align:start position:0% with larger companies and so I wonder if 00:09:57.160 --> 00:09:59.040 align:start position:0% with larger companies and so I wonder if you<00:09:57.520> know<00:09:57.640> first<00:09:58.120> of<00:09:58.209> all<00:09:58.330> kind<00:09:58.750> of<00:09:58.779> mr. 00:09:59.040 --> 00:09:59.050 align:start position:0% you know first of all kind of mr. 00:09:59.050 --> 00:10:00.360 align:start position:0% you know first of all kind of mr. present<00:09:59.380> to<00:09:59.470> me<00:09:59.560> right<00:09:59.770> because<00:10:00.010> you<00:10:00.100> think 00:10:00.360 --> 00:10:00.370 align:start position:0% present to me right because you think 00:10:00.370 --> 00:10:02.040 align:start position:0% present to me right because you think finance<00:10:00.610> of<00:10:00.850> their<00:10:01.000> conservative<00:10:01.330> industry 00:10:02.040 --> 00:10:02.050 align:start position:0% finance of their conservative industry 00:10:02.050 --> 00:10:03.990 align:start position:0% finance of their conservative industry but<00:10:02.589> here's<00:10:02.830> actually<00:10:03.100> an<00:10:03.370> argument<00:10:03.790> for 00:10:03.990 --> 00:10:04.000 align:start position:0% but here's actually an argument for 00:10:04.000 --> 00:10:07.920 align:start position:0% but here's actually an argument for legacy<00:10:04.510> compatibility<00:10:05.230> 3g<00:10:05.589> am<00:10:05.890> right<00:10:06.820> in<00:10:07.209> in 00:10:07.920 --> 00:10:07.930 align:start position:0% legacy compatibility 3g am right in in 00:10:07.930 --> 00:10:09.600 align:start position:0% legacy compatibility 3g am right in in kind<00:10:08.140> of<00:10:08.230> a<00:10:08.589> technology<00:10:08.860> which<00:10:09.190> would<00:10:09.370> enable 00:10:09.600 --> 00:10:09.610 align:start position:0% kind of a technology which would enable 00:10:09.610 --> 00:10:12.660 align:start position:0% kind of a technology which would enable potential<00:10:10.360> integrations<00:10:10.990> with<00:10:11.370> a<00:10:12.370> bigger 00:10:12.660 --> 00:10:12.670 align:start position:0% potential integrations with a bigger 00:10:12.670 --> 00:10:14.699 align:start position:0% potential integrations with a bigger companies<00:10:13.089> i<00:10:13.209> wonder<00:10:13.450> if<00:10:13.870> you<00:10:14.170> guys<00:10:14.410> thought 00:10:14.699 --> 00:10:14.709 align:start position:0% companies i wonder if you guys thought 00:10:14.709 --> 00:10:16.949 align:start position:0% companies i wonder if you guys thought about<00:10:14.770> that<00:10:15.160> or<00:10:15.400> if<00:10:15.790> not<00:10:15.940> you<00:10:16.270> know<00:10:16.360> like<00:10:16.720> what 00:10:16.949 --> 00:10:16.959 align:start position:0% about that or if not you know like what 00:10:16.959 --> 00:10:18.600 align:start position:0% about that or if not you know like what is<00:10:17.140> what<00:10:17.650> do<00:10:17.709> you<00:10:17.800> think<00:10:17.950> about<00:10:18.010> this<00:10:18.310> line<00:10:18.520> of 00:10:18.600 --> 00:10:18.610 align:start position:0% is what do you think about this line of 00:10:18.610 --> 00:10:22.949 align:start position:0% is what do you think about this line of reasoning<00:10:19.200> yeah<00:10:20.200> so<00:10:20.410> in<00:10:20.500> our<00:10:20.560> case<00:10:20.620> we<00:10:21.959> really 00:10:22.949 --> 00:10:22.959 align:start position:0% reasoning yeah so in our case we really 00:10:22.959 --> 00:10:25.440 align:start position:0% reasoning yeah so in our case we really really<00:10:23.709> do<00:10:23.860> not<00:10:23.890> want<00:10:24.310> to<00:10:24.400> be<00:10:24.550> acquired<00:10:24.850> mm-hmm 00:10:25.440 --> 00:10:25.450 align:start position:0% really do not want to be acquired mm-hmm 00:10:25.450 --> 00:10:28.670 align:start position:0% really do not want to be acquired mm-hmm so<00:10:25.570> we're<00:10:26.010> it's<00:10:27.010> basically<00:10:27.660> transform 00:10:28.670 --> 00:10:28.680 align:start position:0% so we're it's basically transform 00:10:28.680 --> 00:10:33.030 align:start position:0% so we're it's basically transform consumer<00:10:29.680> finance<00:10:30.220> or<00:10:30.400> go<00:10:30.520> home<00:10:30.670> mm-hmm<00:10:32.040> but 00:10:33.030 --> 00:10:33.040 align:start position:0% consumer finance or go home mm-hmm but 00:10:33.040 --> 00:10:35.550 align:start position:0% consumer finance or go home mm-hmm but the<00:10:33.160> reasoning<00:10:33.520> makes<00:10:33.670> a<00:10:33.790> lot<00:10:33.910> of<00:10:33.940> sense<00:10:34.029> so<00:10:34.990> I 00:10:35.550 --> 00:10:35.560 align:start position:0% the reasoning makes a lot of sense so I 00:10:35.560 --> 00:10:37.860 align:start position:0% the reasoning makes a lot of sense so I know<00:10:35.680> when<00:10:36.339> workday<00:10:36.910> was<00:10:37.300> looking<00:10:37.600> to<00:10:37.630> acquire 00:10:37.860 --> 00:10:37.870 align:start position:0% know when workday was looking to acquire 00:10:37.870 --> 00:10:40.710 align:start position:0% know when workday was looking to acquire identified<00:10:38.589> they<00:10:39.250> were<00:10:39.400> on<00:10:39.520> the<00:10:39.610> JVM<00:10:39.940> stacked 00:10:40.710 --> 00:10:40.720 align:start position:0% identified they were on the JVM stacked 00:10:40.720 --> 00:10:42.630 align:start position:0% identified they were on the JVM stacked running<00:10:41.020> mostly<00:10:41.230> Java<00:10:41.529> mm-hmm<00:10:42.190> we<00:10:42.490> were 00:10:42.630 --> 00:10:42.640 align:start position:0% running mostly Java mm-hmm we were 00:10:42.640 --> 00:10:44.820 align:start position:0% running mostly Java mm-hmm we were running<00:10:42.850> a<00:10:43.180> lot<00:10:43.510> of<00:10:43.630> Scala<00:10:43.900> yeah<00:10:44.350> so<00:10:44.560> for<00:10:44.709> them 00:10:44.820 --> 00:10:44.830 align:start position:0% running a lot of Scala yeah so for them 00:10:44.830 --> 00:10:46.500 align:start position:0% running a lot of Scala yeah so for them there's<00:10:45.070> all<00:10:45.190> this<00:10:45.370> naturally<00:10:45.880> slots<00:10:46.150> in<00:10:46.360> we 00:10:46.500 --> 00:10:46.510 align:start position:0% there's all this naturally slots in we 00:10:46.510 --> 00:10:48.240 align:start position:0% there's all this naturally slots in we know<00:10:46.630> how<00:10:46.750> to<00:10:46.810> run<00:10:47.020> Java<00:10:47.350> we've<00:10:47.890> got<00:10:48.010> a<00:10:48.040> lot<00:10:48.220> of 00:10:48.240 --> 00:10:48.250 align:start position:0% know how to run Java we've got a lot of 00:10:48.250 --> 00:10:49.769 align:start position:0% know how to run Java we've got a lot of JVM<00:10:48.670> expertise<00:10:49.150> so<00:10:49.360> if<00:10:49.450> they<00:10:49.510> needed<00:10:49.750> to 00:10:49.769 --> 00:10:49.779 align:start position:0% JVM expertise so if they needed to 00:10:49.779 --> 00:10:51.120 align:start position:0% JVM expertise so if they needed to transfer<00:10:50.170> people<00:10:50.410> to<00:10:50.500> our<00:10:50.529> teams<00:10:50.860> that's 00:10:51.120 --> 00:10:51.130 align:start position:0% transfer people to our teams that's 00:10:51.130 --> 00:10:53.670 align:start position:0% transfer people to our teams that's something<00:10:51.370> they<00:10:51.459> could<00:10:51.610> do<00:10:52.200> so<00:10:53.200> definitely 00:10:53.670 --> 00:10:53.680 align:start position:0% something they could do so definitely 00:10:53.680 --> 00:10:55.800 align:start position:0% something they could do so definitely played<00:10:54.070> into<00:10:54.100> their<00:10:54.730> calculus<00:10:55.270> for<00:10:55.660> that 00:10:55.800 --> 00:10:55.810 align:start position:0% played into their calculus for that 00:10:55.810 --> 00:10:57.300 align:start position:0% played into their calculus for that acquisition<00:10:56.079> so<00:10:56.410> I'd<00:10:56.500> make<00:10:56.680> sense<00:10:56.980> that<00:10:57.070> other 00:10:57.300 --> 00:10:57.310 align:start position:0% acquisition so I'd make sense that other 00:10:57.310 --> 00:11:00.300 align:start position:0% acquisition so I'd make sense that other FinTech<00:10:57.760> companies<00:10:58.209> if<00:10:58.800> acquisition<00:10:59.800> is 00:11:00.300 --> 00:11:00.310 align:start position:0% FinTech companies if acquisition is 00:11:00.310 --> 00:11:02.519 align:start position:0% FinTech companies if acquisition is a<00:11:00.550> potential<00:11:01.330> outcome<00:11:01.840> they're<00:11:01.990> looking<00:11:02.320> for 00:11:02.519 --> 00:11:02.529 align:start position:0% a potential outcome they're looking for 00:11:02.529 --> 00:11:04.050 align:start position:0% a potential outcome they're looking for mm-hmm<00:11:03.010> and<00:11:03.190> that's<00:11:03.670> something<00:11:03.880> you<00:11:04.029> should 00:11:04.050 --> 00:11:04.060 align:start position:0% mm-hmm and that's something you should 00:11:04.060 --> 00:11:06.660 align:start position:0% mm-hmm and that's something you should consider<00:11:04.210> yeah<00:11:04.930> and<00:11:05.680> I<00:11:06.040> mean<00:11:06.190> I<00:11:06.310> don't<00:11:06.520> mean 00:11:06.660 --> 00:11:06.670 align:start position:0% consider yeah and I mean I don't mean 00:11:06.670 --> 00:11:08.010 align:start position:0% consider yeah and I mean I don't mean that<00:11:06.700> note<00:11:07.029> Ali<00:11:07.180> wants<00:11:07.420> to<00:11:07.450> acquire<00:11:07.630> that's 00:11:08.010 --> 00:11:08.020 align:start position:0% that note Ali wants to acquire that's 00:11:08.020 --> 00:11:09.510 align:start position:0% that note Ali wants to acquire that's the<00:11:08.170> reason<00:11:08.470> I<00:11:08.529> write<00:11:08.740> like<00:11:08.920> I<00:11:09.100> mean<00:11:09.250> obviously 00:11:09.510 --> 00:11:09.520 align:start position:0% the reason I write like I mean obviously 00:11:09.520 --> 00:11:11.460 align:start position:0% the reason I write like I mean obviously everybody<00:11:09.850> wants<00:11:10.120> to<00:11:10.180> be<00:11:10.420> yeah<00:11:10.870> very<00:11:11.080> big<00:11:11.320> and 00:11:11.460 --> 00:11:11.470 align:start position:0% everybody wants to be yeah very big and 00:11:11.470 --> 00:11:13.560 align:start position:0% everybody wants to be yeah very big and I<00:11:11.650> think<00:11:11.860> another<00:11:12.070> question<00:11:12.730> is<00:11:12.880> I'm<00:11:13.330> just 00:11:13.560 --> 00:11:13.570 align:start position:0% I think another question is I'm just 00:11:13.570 --> 00:11:15.150 align:start position:0% I think another question is I'm just curious<00:11:13.720> can<00:11:14.080> feel<00:11:14.290> you<00:11:14.440> know<00:11:14.529> a<00:11:14.710> business 00:11:15.150 --> 00:11:15.160 align:start position:0% curious can feel you know a business 00:11:15.160 --> 00:11:16.740 align:start position:0% curious can feel you know a business model<00:11:15.279> right<00:11:15.520> that<00:11:15.790> like<00:11:16.180> you<00:11:16.270> know<00:11:16.300> to<00:11:16.450> play 00:11:16.740 --> 00:11:16.750 align:start position:0% model right that like you know to play 00:11:16.750 --> 00:11:19.380 align:start position:0% model right that like you know to play here<00:11:17.140> you<00:11:17.470> lot<00:11:17.710> of<00:11:17.800> capital<00:11:17.980> yes<00:11:18.700> right<00:11:19.029> so<00:11:19.360> I 00:11:19.380 --> 00:11:19.390 align:start position:0% here you lot of capital yes right so I 00:11:19.390 --> 00:11:20.880 align:start position:0% here you lot of capital yes right so I think<00:11:19.720> if<00:11:19.810> you<00:11:19.900> want<00:11:20.050> to<00:11:20.140> be<00:11:20.230> a<00:11:20.260> bank<00:11:20.500> or<00:11:20.740> if 00:11:20.880 --> 00:11:20.890 align:start position:0% think if you want to be a bank or if 00:11:20.890 --> 00:11:22.230 align:start position:0% think if you want to be a bank or if you're<00:11:21.070> going<00:11:21.250> to<00:11:21.339> facilitate<00:11:21.790> mortgages 00:11:22.230 --> 00:11:22.240 align:start position:0% you're going to facilitate mortgages 00:11:22.240 --> 00:11:25.050 align:start position:0% you're going to facilitate mortgages connect<00:11:22.930> a<00:11:23.020> little<00:11:23.230> bit<00:11:23.410> more<00:11:23.650> how<00:11:24.400> do<00:11:24.460> you<00:11:24.820> add 00:11:25.050 --> 00:11:25.060 align:start position:0% connect a little bit more how do you add 00:11:25.060 --> 00:11:27.360 align:start position:0% connect a little bit more how do you add value<00:11:25.420> to<00:11:25.450> the<00:11:26.380> horrible<00:11:26.830> mortgage<00:11:27.130> business 00:11:27.360 --> 00:11:27.370 align:start position:0% value to the horrible mortgage business 00:11:27.370 --> 00:11:29.190 align:start position:0% value to the horrible mortgage business I<00:11:27.760> just<00:11:28.089> I<00:11:28.240> bought<00:11:28.450> the<00:11:28.510> house<00:11:28.660> last<00:11:28.870> year's 00:11:29.190 --> 00:11:29.200 align:start position:0% I just I bought the house last year's 00:11:29.200 --> 00:11:31.829 align:start position:0% I just I bought the house last year's like<00:11:29.589> basically<00:11:29.830> I<00:11:30.640> mean<00:11:30.820> to<00:11:31.089> me<00:11:31.210> by<00:11:31.540> the<00:11:31.570> house 00:11:31.829 --> 00:11:31.839 align:start position:0% like basically I mean to me by the house 00:11:31.839 --> 00:11:34.530 align:start position:0% like basically I mean to me by the house is<00:11:32.110> just<00:11:32.140> my<00:11:32.470> cousin<00:11:32.890> PDF<00:11:33.250> right<00:11:34.180> basically 00:11:34.530 --> 00:11:34.540 align:start position:0% is just my cousin PDF right basically 00:11:34.540 --> 00:11:37.230 align:start position:0% is just my cousin PDF right basically it's<00:11:34.870> PDF<00:11:35.320> and<00:11:35.560> electronic<00:11:36.339> signing<00:11:36.580> and<00:11:36.940> and 00:11:37.230 --> 00:11:37.240 align:start position:0% it's PDF and electronic signing and and 00:11:37.240 --> 00:11:40.850 align:start position:0% it's PDF and electronic signing and and ridiculous<00:11:38.820> credit<00:11:39.820> approval<00:11:40.270> through 00:11:40.850 --> 00:11:40.860 align:start position:0% ridiculous credit approval through 00:11:40.860 --> 00:11:44.070 align:start position:0% ridiculous credit approval through slow-moving<00:11:41.860> banks<00:11:42.700> right<00:11:42.940> which<00:11:43.480> is<00:11:43.630> so<00:11:43.779> like 00:11:44.070 --> 00:11:44.080 align:start position:0% slow-moving banks right which is so like 00:11:44.080 --> 00:11:46.470 align:start position:0% slow-moving banks right which is so like it's<00:11:44.230> broken<00:11:44.350> many<00:11:44.740> many<00:11:44.950> levels<00:11:45.190> so<00:11:46.089> I<00:11:46.120> wonder 00:11:46.470 --> 00:11:46.480 align:start position:0% it's broken many many levels so I wonder 00:11:46.480 --> 00:11:48.090 align:start position:0% it's broken many many levels so I wonder you<00:11:46.750> know<00:11:46.839> how<00:11:47.200> would<00:11:47.350> you<00:11:47.470> want<00:11:47.650> to<00:11:47.740> prove<00:11:47.980> it 00:11:48.090 --> 00:11:48.100 align:start position:0% you know how would you want to prove it 00:11:48.100 --> 00:11:51.240 align:start position:0% you know how would you want to prove it with<00:11:48.400> all<00:11:48.940> the<00:11:49.060> technology<00:11:49.410> yeah<00:11:50.410> so<00:11:51.100> it's 00:11:51.240 --> 00:11:51.250 align:start position:0% with all the technology yeah so it's 00:11:51.250 --> 00:11:55.260 align:start position:0% with all the technology yeah so it's interesting<00:11:52.440> mortgage<00:11:53.440> banking<00:11:53.980> is<00:11:54.270> really 00:11:55.260 --> 00:11:55.270 align:start position:0% interesting mortgage banking is really 00:11:55.270 --> 00:11:57.990 align:start position:0% interesting mortgage banking is really an<00:11:55.750> information<00:11:56.529> processing<00:11:56.800> problem<00:11:57.460> mm-hmm 00:11:57.990 --> 00:11:58.000 align:start position:0% an information processing problem mm-hmm 00:11:58.000 --> 00:12:00.329 align:start position:0% an information processing problem mm-hmm because<00:11:58.960> what<00:11:59.140> what<00:11:59.529> what<00:12:00.070> does<00:12:00.160> it<00:12:00.220> mean<00:12:00.310> to 00:12:00.329 --> 00:12:00.339 align:start position:0% because what what what does it mean to 00:12:00.339 --> 00:12:03.000 align:start position:0% because what what what does it mean to get<00:12:00.490> a<00:12:00.520> mortgage<00:12:00.760> it's<00:12:01.120> kind<00:12:01.360> of<00:12:01.540> like<00:12:02.010> filing 00:12:03.000 --> 00:12:03.010 align:start position:0% get a mortgage it's kind of like filing 00:12:03.010 --> 00:12:04.680 align:start position:0% get a mortgage it's kind of like filing your<00:12:03.190> taxes<00:12:03.700> that's<00:12:03.940> kind<00:12:04.180> of<00:12:04.240> filling<00:12:04.630> out 00:12:04.680 --> 00:12:04.690 align:start position:0% your taxes that's kind of filling out 00:12:04.690 --> 00:12:06.900 align:start position:0% your taxes that's kind of filling out the<00:12:04.780> mortgage<00:12:05.110> application<00:12:05.650> yep<00:12:05.950> and<00:12:06.730> then 00:12:06.900 --> 00:12:06.910 align:start position:0% the mortgage application yep and then 00:12:06.910 --> 00:12:09.530 align:start position:0% the mortgage application yep and then getting<00:12:07.120> audited<00:12:07.450> at<00:12:08.320> the<00:12:08.500> same<00:12:08.650> time<00:12:08.710> correct 00:12:09.530 --> 00:12:09.540 align:start position:0% getting audited at the same time correct 00:12:09.540 --> 00:12:13.920 align:start position:0% getting audited at the same time correct so<00:12:10.540> and<00:12:11.200> that's<00:12:11.320> not<00:12:11.470> very<00:12:11.530> fun<00:12:11.890> yes<00:12:12.930> what 00:12:13.920 --> 00:12:13.930 align:start position:0% so and that's not very fun yes what 00:12:13.930 --> 00:12:16.890 align:start position:0% so and that's not very fun yes what we're<00:12:14.710> trying<00:12:14.890> to<00:12:15.070> do<00:12:15.220> is<00:12:15.480> streamline<00:12:16.480> and 00:12:16.890 --> 00:12:16.900 align:start position:0% we're trying to do is streamline and 00:12:16.900 --> 00:12:18.750 align:start position:0% we're trying to do is streamline and automate<00:12:17.140> as<00:12:17.560> much<00:12:17.620> of<00:12:17.920> that<00:12:17.950> as<00:12:18.040> possible<00:12:18.160> so 00:12:18.750 --> 00:12:18.760 align:start position:0% automate as much of that as possible so 00:12:18.760 --> 00:12:21.200 align:start position:0% automate as much of that as possible so instead<00:12:19.060> of<00:12:19.120> you<00:12:19.480> getting<00:12:20.320> on<00:12:20.589> the<00:12:20.680> phone<00:12:20.950> and 00:12:21.200 --> 00:12:21.210 align:start position:0% instead of you getting on the phone and 00:12:21.210 --> 00:12:24.030 align:start position:0% instead of you getting on the phone and dealing<00:12:22.210> with<00:12:22.390> your<00:12:22.570> broker<00:12:22.870> or<00:12:23.530> loan<00:12:23.770> manager 00:12:24.030 --> 00:12:24.040 align:start position:0% dealing with your broker or loan manager 00:12:24.040 --> 00:12:25.940 align:start position:0% dealing with your broker or loan manager whatever<00:12:24.580> they<00:12:24.850> were<00:12:24.910> ever<00:12:25.240> they<00:12:25.390> were<00:12:25.450> and 00:12:25.940 --> 00:12:25.950 align:start position:0% whatever they were ever they were and 00:12:25.950 --> 00:12:28.050 align:start position:0% whatever they were ever they were and concentrating<00:12:26.950> so<00:12:27.100> what's<00:12:27.280> going<00:12:27.520> on<00:12:27.610> what's 00:12:28.050 --> 00:12:28.060 align:start position:0% concentrating so what's going on what's 00:12:28.060 --> 00:12:29.520 align:start position:0% concentrating so what's going on what's what's<00:12:28.390> happening<00:12:28.810> what<00:12:28.930> do<00:12:28.990> I<00:12:29.080> need<00:12:29.200> to<00:12:29.260> do 00:12:29.520 --> 00:12:29.530 align:start position:0% what's happening what do I need to do 00:12:29.530 --> 00:12:31.170 align:start position:0% what's happening what do I need to do right<00:12:29.770> maybe<00:12:30.100> that<00:12:30.250> maybe<00:12:30.520> sent<00:12:30.880> me<00:12:31.000> up<00:12:31.089> there 00:12:31.170 --> 00:12:31.180 align:start position:0% right maybe that maybe sent me up there 00:12:31.180 --> 00:12:32.579 align:start position:0% right maybe that maybe sent me up there calling<00:12:31.510> you<00:12:31.600> and<00:12:31.750> telling<00:12:31.870> you<00:12:32.020> what<00:12:32.260> you<00:12:32.290> do 00:12:32.579 --> 00:12:32.589 align:start position:0% calling you and telling you what you do 00:12:32.589 --> 00:12:34.410 align:start position:0% calling you and telling you what you do instead<00:12:32.740> imagine<00:12:33.310> just<00:12:33.940> an<00:12:34.089> online 00:12:34.410 --> 00:12:34.420 align:start position:0% instead imagine just an online 00:12:34.420 --> 00:12:36.360 align:start position:0% instead imagine just an online experience<00:12:34.900> mm-hmm<00:12:35.470> where<00:12:35.860> you<00:12:36.280> go 00:12:36.360 --> 00:12:36.370 align:start position:0% experience mm-hmm where you go 00:12:36.370 --> 00:12:38.340 align:start position:0% experience mm-hmm where you go step-by-step<00:12:36.810> you<00:12:37.810> come<00:12:37.990> well<00:12:38.080> collect 00:12:38.340 --> 00:12:38.350 align:start position:0% step-by-step you come well collect 00:12:38.350 --> 00:12:39.870 align:start position:0% step-by-step you come well collect whatever<00:12:38.589> miss<00:12:38.860> you<00:12:39.040> need<00:12:39.190> you<00:12:39.250> put<00:12:39.520> it<00:12:39.610> all<00:12:39.700> in 00:12:39.870 --> 00:12:39.880 align:start position:0% whatever miss you need you put it all in 00:12:39.880 --> 00:12:42.720 align:start position:0% whatever miss you need you put it all in there<00:12:40.030> mm-hmm<00:12:40.600> anything<00:12:41.589> most<00:12:42.310> everything<00:12:42.580> is 00:12:42.720 --> 00:12:42.730 align:start position:0% there mm-hmm anything most everything is 00:12:42.730 --> 00:12:44.520 align:start position:0% there mm-hmm anything most everything is automatically<00:12:43.180> verified<00:12:43.690> via<00:12:44.050> API 00:12:44.520 --> 00:12:44.530 align:start position:0% automatically verified via API 00:12:44.530 --> 00:12:48.480 align:start position:0% automatically verified via API integrations<00:12:45.160> mm-hmm<00:12:45.930> and<00:12:47.280> there's<00:12:48.280> all 00:12:48.480 --> 00:12:48.490 align:start position:0% integrations mm-hmm and there's all 00:12:48.490 --> 00:12:50.640 align:start position:0% integrations mm-hmm and there's all kinds<00:12:49.060> of<00:12:49.120> complexity<00:12:49.780> that<00:12:49.870> today<00:12:50.140> is<00:12:50.350> done 00:12:50.640 --> 00:12:50.650 align:start position:0% kinds of complexity that today is done 00:12:50.650 --> 00:12:53.010 align:start position:0% kinds of complexity that today is done by<00:12:51.040> you<00:12:51.850> know<00:12:51.940> got<00:12:52.150> processors<00:12:52.870> and 00:12:53.010 --> 00:12:53.020 align:start position:0% by you know got processors and 00:12:53.020 --> 00:12:54.690 align:start position:0% by you know got processors and underwriters<00:12:53.560> and<00:12:53.830> compliance<00:12:54.370> people 00:12:54.690 --> 00:12:54.700 align:start position:0% underwriters and compliance people 00:12:54.700 --> 00:12:56.640 align:start position:0% underwriters and compliance people locked<00:12:55.120> desk<00:12:55.390> you<00:12:55.630> know<00:12:55.660> capital<00:12:56.110> markets<00:12:56.470> and 00:12:56.640 --> 00:12:56.650 align:start position:0% locked desk you know capital markets and 00:12:56.650 --> 00:12:58.440 align:start position:0% locked desk you know capital markets and closers<00:12:57.490> funders<00:12:57.910> I<00:12:57.970> mean<00:12:58.089> there's<00:12:58.209> probably 00:12:58.440 --> 00:12:58.450 align:start position:0% closers funders I mean there's probably 00:12:58.450 --> 00:12:59.490 align:start position:0% closers funders I mean there's probably like<00:12:58.540> five<00:12:58.720> other<00:12:58.839> functions<00:12:59.260> I'm<00:12:59.380> not 00:12:59.490 --> 00:12:59.500 align:start position:0% like five other functions I'm not 00:12:59.500 --> 00:13:01.290 align:start position:0% like five other functions I'm not mentioning<00:12:59.860> which<00:13:00.010> is<00:13:00.100> incredibly<00:13:00.850> human 00:13:01.290 --> 00:13:01.300 align:start position:0% mentioning which is incredibly human 00:13:01.300 --> 00:13:04.680 align:start position:0% mentioning which is incredibly human labor<00:13:01.480> intensive<00:13:02.080> yes<00:13:02.380> all<00:13:03.100> of<00:13:03.390> that<00:13:04.390> being 00:13:04.680 --> 00:13:04.690 align:start position:0% labor intensive yes all of that being 00:13:04.690 --> 00:13:07.740 align:start position:0% labor intensive yes all of that being streamlined<00:13:05.430> orchestrated<00:13:06.430> by<00:13:06.750> either 00:13:07.740 --> 00:13:07.750 align:start position:0% streamlined orchestrated by either 00:13:07.750 --> 00:13:09.660 align:start position:0% streamlined orchestrated by either workflow<00:13:08.230> systems<00:13:08.680> or<00:13:08.920> whenever<00:13:09.400> possible 00:13:09.660 --> 00:13:09.670 align:start position:0% workflow systems or whenever possible 00:13:09.670 --> 00:13:11.150 align:start position:0% workflow systems or whenever possible automated 00:13:11.150 --> 00:13:11.160 align:start position:0% automated 00:13:11.160 --> 00:13:13.100 align:start position:0% automated and<00:13:11.279> as<00:13:11.940> a<00:13:11.970> consumer<00:13:12.360> you<00:13:12.569> can<00:13:12.810> see<00:13:12.959> what's 00:13:13.100 --> 00:13:13.110 align:start position:0% and as a consumer you can see what's 00:13:13.110 --> 00:13:14.540 align:start position:0% and as a consumer you can see what's happening<00:13:13.470> step-by-step<00:13:14.129> so<00:13:14.339> it's<00:13:14.459> totally 00:13:14.540 --> 00:13:14.550 align:start position:0% happening step-by-step so it's totally 00:13:14.550 --> 00:13:16.550 align:start position:0% happening step-by-step so it's totally transparent<00:13:15.029> to<00:13:15.360> you<00:13:15.480> mm-hmm<00:13:16.079> you<00:13:16.230> know<00:13:16.379> when 00:13:16.550 --> 00:13:16.560 align:start position:0% transparent to you mm-hmm you know when 00:13:16.560 --> 00:13:17.480 align:start position:0% transparent to you mm-hmm you know when you're<00:13:16.680> more<00:13:16.800> just<00:13:16.949> gonna<00:13:17.040> get<00:13:17.250> close<00:13:17.430> you 00:13:17.480 --> 00:13:17.490 align:start position:0% you're more just gonna get close you 00:13:17.490 --> 00:13:19.220 align:start position:0% you're more just gonna get close you know<00:13:17.699> what<00:13:17.850> the<00:13:17.910> bottlenecks<00:13:18.360> are<00:13:18.540> and<00:13:19.110> you 00:13:19.220 --> 00:13:19.230 align:start position:0% know what the bottlenecks are and you 00:13:19.230 --> 00:13:21.980 align:start position:0% know what the bottlenecks are and you always<00:13:19.410> know<00:13:19.709> what's<00:13:19.949> on<00:13:20.100> you<00:13:20.279> mm-hmm<00:13:20.970> so<00:13:21.870> the 00:13:21.980 --> 00:13:21.990 align:start position:0% always know what's on you mm-hmm so the 00:13:21.990 --> 00:13:24.319 align:start position:0% always know what's on you mm-hmm so the other<00:13:22.139> day<00:13:22.199> what<00:13:22.649> was<00:13:22.769> this<00:13:23.129> horribly<00:13:23.940> painful 00:13:24.319 --> 00:13:24.329 align:start position:0% other day what was this horribly painful 00:13:24.329 --> 00:13:26.210 align:start position:0% other day what was this horribly painful process<00:13:24.870> where<00:13:25.470> you<00:13:25.529> have<00:13:25.620> no<00:13:25.800> idea<00:13:26.040> what's 00:13:26.210 --> 00:13:26.220 align:start position:0% process where you have no idea what's 00:13:26.220 --> 00:13:27.499 align:start position:0% process where you have no idea what's going<00:13:26.459> on<00:13:26.579> or<00:13:26.790> even<00:13:26.819> if<00:13:27.089> you're<00:13:27.209> going<00:13:27.360> to<00:13:27.449> get 00:13:27.499 --> 00:13:27.509 align:start position:0% going on or even if you're going to get 00:13:27.509 --> 00:13:30.530 align:start position:0% going on or even if you're going to get the<00:13:27.600> mortgage<00:13:27.930> this<00:13:28.910> becomes<00:13:29.910> like<00:13:30.089> open<00:13:30.449> and 00:13:30.530 --> 00:13:30.540 align:start position:0% the mortgage this becomes like open and 00:13:30.540 --> 00:13:33.800 align:start position:0% the mortgage this becomes like open and transparent<00:13:30.750> yes<00:13:31.410> and<00:13:32.279> so<00:13:33.269> heavily<00:13:33.569> automated 00:13:33.800 --> 00:13:33.810 align:start position:0% transparent yes and so heavily automated 00:13:33.810 --> 00:13:35.629 align:start position:0% transparent yes and so heavily automated it<00:13:34.290> probably<00:13:34.589> takes<00:13:34.740> a<00:13:34.949> small<00:13:35.069> fraction<00:13:35.610> of 00:13:35.629 --> 00:13:35.639 align:start position:0% it probably takes a small fraction of 00:13:35.639 --> 00:13:39.110 align:start position:0% it probably takes a small fraction of the<00:13:35.730> time<00:13:35.910> can<00:13:36.389> you<00:13:36.569> do<00:13:37.470> you<00:13:37.529> plan<00:13:37.800> to<00:13:38.009> give<00:13:38.879> her 00:13:39.110 --> 00:13:39.120 align:start position:0% the time can you do you plan to give her 00:13:39.120 --> 00:13:41.720 align:start position:0% the time can you do you plan to give her guarantees<00:13:39.540> over<00:13:40.079> closable<00:13:40.560> time<00:13:40.920> window 00:13:41.720 --> 00:13:41.730 align:start position:0% guarantees over closable time window 00:13:41.730 --> 00:13:44.329 align:start position:0% guarantees over closable time window will<00:13:42.029> take<00:13:42.410> eventually<00:13:43.410> yeah<00:13:43.920> we're<00:13:44.220> not 00:13:44.329 --> 00:13:44.339 align:start position:0% will take eventually yeah we're not 00:13:44.339 --> 00:13:45.619 align:start position:0% will take eventually yeah we're not there<00:13:44.519> yet<00:13:44.550> because<00:13:45.029> that's<00:13:45.209> a<00:13:45.300> thing<00:13:45.420> that's 00:13:45.619 --> 00:13:45.629 align:start position:0% there yet because that's a thing that's 00:13:45.629 --> 00:13:47.840 align:start position:0% there yet because that's a thing that's very<00:13:45.720> important<00:13:46.319> right<00:13:46.529> in<00:13:46.769> the<00:13:47.220> area<00:13:47.519> right 00:13:47.840 --> 00:13:47.850 align:start position:0% very important right in the area right 00:13:47.850 --> 00:13:50.179 align:start position:0% very important right in the area right they<00:13:48.480> demand<00:13:48.870> very<00:13:49.050> short<00:13:49.319> closing<00:13:49.709> windows 00:13:50.179 --> 00:13:50.189 align:start position:0% they demand very short closing windows 00:13:50.189 --> 00:13:51.679 align:start position:0% they demand very short closing windows yeah<00:13:50.610> and<00:13:50.910> then<00:13:51.060> the<00:13:51.180> banks<00:13:51.420> could<00:13:51.540> not 00:13:51.679 --> 00:13:51.689 align:start position:0% yeah and then the banks could not 00:13:51.689 --> 00:13:53.449 align:start position:0% yeah and then the banks could not deliver<00:13:51.899> it<00:13:52.139> the<00:13:52.740> rest<00:13:52.889> of<00:13:52.980> the<00:13:53.069> traditional 00:13:53.449 --> 00:13:53.459 align:start position:0% deliver it the rest of the traditional 00:13:53.459 --> 00:13:55.249 align:start position:0% deliver it the rest of the traditional banks<00:13:53.819> a<00:13:54.000> very<00:13:54.240> slow<00:13:54.480> so<00:13:54.839> i'm<00:13:54.959> gonna<00:13:55.110> use 00:13:55.249 --> 00:13:55.259 align:start position:0% banks a very slow so i'm gonna use 00:13:55.259 --> 00:13:56.689 align:start position:0% banks a very slow so i'm gonna use traditional<00:13:55.500> banks<00:13:55.980> and<00:13:56.129> basically<00:13:56.339> again<00:13:56.579> i 00:13:56.689 --> 00:13:56.699 align:start position:0% traditional banks and basically again i 00:13:56.699 --> 00:13:59.929 align:start position:0% traditional banks and basically again i used<00:13:56.879> underlying<00:13:57.360> banks<00:13:57.779> and<00:13:58.430> for<00:13:59.430> financing 00:13:59.929 --> 00:13:59.939 align:start position:0% used underlying banks and for financing 00:13:59.939 --> 00:14:05.210 align:start position:0% used underlying banks and for financing or<00:14:00.089> your<00:14:00.870> own<00:14:00.959> so<00:14:02.930> sort<00:14:03.930> of<00:14:04.050> hmm<00:14:04.589> we're<00:14:04.920> not 00:14:05.210 --> 00:14:05.220 align:start position:0% or your own so sort of hmm we're not 00:14:05.220 --> 00:14:08.210 align:start position:0% or your own so sort of hmm we're not inventing<00:14:06.000> a<00:14:06.240> new<00:14:06.680> model<00:14:07.680> for<00:14:07.709> mortgages 00:14:08.210 --> 00:14:08.220 align:start position:0% inventing a new model for mortgages 00:14:08.220 --> 00:14:09.679 align:start position:0% inventing a new model for mortgages we're<00:14:08.399> not<00:14:08.519> creating<00:14:08.879> new<00:14:09.240> sources<00:14:09.569> of 00:14:09.679 --> 00:14:09.689 align:start position:0% we're not creating new sources of 00:14:09.689 --> 00:14:11.900 align:start position:0% we're not creating new sources of capital<00:14:09.899> and<00:14:10.259> some<00:14:11.009> players<00:14:11.339> in<00:14:11.490> space<00:14:11.730> are 00:14:11.900 --> 00:14:11.910 align:start position:0% capital and some players in space are 00:14:11.910 --> 00:14:14.840 align:start position:0% capital and some players in space are mm-hmm<00:14:12.480> we<00:14:12.959> the<00:14:13.410> way<00:14:13.560> it<00:14:13.709> works<00:14:13.920> is<00:14:14.220> we<00:14:14.550> partner 00:14:14.840 --> 00:14:14.850 align:start position:0% mm-hmm we the way it works is we partner 00:14:14.850 --> 00:14:16.400 align:start position:0% mm-hmm we the way it works is we partner with<00:14:14.879> warehouse<00:14:15.149> banks<00:14:15.660> kind<00:14:16.259> of<00:14:16.319> like 00:14:16.400 --> 00:14:16.410 align:start position:0% with warehouse banks kind of like 00:14:16.410 --> 00:14:18.350 align:start position:0% with warehouse banks kind of like wholesalers<00:14:16.949> for<00:14:17.130> money<00:14:17.279> yeah<00:14:17.819> so<00:14:18.120> when<00:14:18.269> we 00:14:18.350 --> 00:14:18.360 align:start position:0% wholesalers for money yeah so when we 00:14:18.360 --> 00:14:19.910 align:start position:0% wholesalers for money yeah so when we close<00:14:18.569> your<00:14:18.779> loan<00:14:18.930> we<00:14:19.319> have<00:14:19.410> a<00:14:19.470> credit<00:14:19.769> line 00:14:19.910 --> 00:14:19.920 align:start position:0% close your loan we have a credit line 00:14:19.920 --> 00:14:21.139 align:start position:0% close your loan we have a credit line with<00:14:20.069> them<00:14:20.220> it<00:14:20.370> would<00:14:20.490> literally<00:14:20.730> just<00:14:20.910> wire 00:14:21.139 --> 00:14:21.149 align:start position:0% with them it would literally just wire 00:14:21.149 --> 00:14:23.420 align:start position:0% with them it would literally just wire transfer<00:14:21.600> the<00:14:21.689> money<00:14:21.889> from<00:14:22.889> our<00:14:23.009> from<00:14:23.339> the 00:14:23.420 --> 00:14:23.430 align:start position:0% transfer the money from our from the 00:14:23.430 --> 00:14:25.009 align:start position:0% transfer the money from our from the warehouse<00:14:23.639> bank<00:14:24.029> to<00:14:24.300> your<00:14:24.420> escrow<00:14:24.720> account 00:14:25.009 --> 00:14:25.019 align:start position:0% warehouse bank to your escrow account 00:14:25.019 --> 00:14:26.569 align:start position:0% warehouse bank to your escrow account and<00:14:25.230> bloom<00:14:25.500> you<00:14:25.680> have<00:14:25.860> your<00:14:26.009> loan<00:14:26.189> you<00:14:26.430> have 00:14:26.569 --> 00:14:26.579 align:start position:0% and bloom you have your loan you have 00:14:26.579 --> 00:14:28.910 align:start position:0% and bloom you have your loan you have your<00:14:26.759> home<00:14:26.910> and<00:14:27.120> you<00:14:27.209> can<00:14:27.389> move<00:14:27.480> on<00:14:27.660> mmm-hmm<00:14:28.529> we 00:14:28.910 --> 00:14:28.920 align:start position:0% your home and you can move on mmm-hmm we 00:14:28.920 --> 00:14:32.300 align:start position:0% your home and you can move on mmm-hmm we then<00:14:29.509> sell<00:14:30.509> the<00:14:30.660> loan<00:14:30.870> to<00:14:31.380> seller<00:14:31.649> aggregators 00:14:32.300 --> 00:14:32.310 align:start position:0% then sell the loan to seller aggregators 00:14:32.310 --> 00:14:34.999 align:start position:0% then sell the loan to seller aggregators mm-hmm<00:14:32.970> these<00:14:33.209> are<00:14:33.389> the<00:14:34.050> these<00:14:34.079> are<00:14:34.620> companies 00:14:34.999 --> 00:14:35.009 align:start position:0% mm-hmm these are the these are companies 00:14:35.009 --> 00:14:38.360 align:start position:0% mm-hmm these are the these are companies that<00:14:35.180> purchase<00:14:36.180> these<00:14:37.130> securities<00:14:38.130> these 00:14:38.360 --> 00:14:38.370 align:start position:0% that purchase these securities these 00:14:38.370 --> 00:14:40.189 align:start position:0% that purchase these securities these loans<00:14:38.670> yes<00:14:39.089> from<00:14:39.360> other<00:14:39.509> mortgage<00:14:39.870> banks 00:14:40.189 --> 00:14:40.199 align:start position:0% loans yes from other mortgage banks 00:14:40.199 --> 00:14:42.019 align:start position:0% loans yes from other mortgage banks right<00:14:40.439> and<00:14:40.649> then<00:14:40.829> they<00:14:40.920> sticking<00:14:41.189> bundle<00:14:41.880> them 00:14:42.019 --> 00:14:42.029 align:start position:0% right and then they sticking bundle them 00:14:42.029 --> 00:14:43.970 align:start position:0% right and then they sticking bundle them into<00:14:42.269> what<00:14:42.389> this<00:14:42.509> coach<00:14:42.750> or<00:14:43.019> Julie<00:14:43.350> she<00:14:43.529> the 00:14:43.970 --> 00:14:43.980 align:start position:0% into what this coach or Julie she the 00:14:43.980 --> 00:14:45.980 align:start position:0% into what this coach or Julie she the mortgages<00:14:44.370> what's<00:14:44.819> that<00:14:45.000> that<00:14:45.329> so<00:14:45.600> like<00:14:45.839> this 00:14:45.980 --> 00:14:45.990 align:start position:0% mortgages what's that that so like this 00:14:45.990 --> 00:14:48.590 align:start position:0% mortgages what's that that so like this Sora<00:14:46.889> composition<00:14:47.819> shade<00:14:48.029> mortgages<00:14:48.449> right 00:14:48.590 --> 00:14:48.600 align:start position:0% Sora composition shade mortgages right 00:14:48.600 --> 00:14:49.879 align:start position:0% Sora composition shade mortgages right now<00:14:48.750> they<00:14:48.990> are<00:14:49.139> something<00:14:49.529> quickly<00:14:49.740> to 00:14:49.879 --> 00:14:49.889 align:start position:0% now they are something quickly to 00:14:49.889 --> 00:14:52.129 align:start position:0% now they are something quickly to exactly<00:14:50.730> it<00:14:50.790> was<00:14:50.880> aggregators<00:14:51.389> exactly<00:14:51.990> and 00:14:52.129 --> 00:14:52.139 align:start position:0% exactly it was aggregators exactly and 00:14:52.139 --> 00:14:53.480 align:start position:0% exactly it was aggregators exactly and eventually<00:14:52.680> will<00:14:52.829> become<00:14:52.980> the<00:14:53.130> aggregate 00:14:53.480 --> 00:14:53.490 align:start position:0% eventually will become the aggregate 00:14:53.490 --> 00:14:55.069 align:start position:0% eventually will become the aggregate ourselves<00:14:53.970> as<00:14:54.059> we<00:14:54.180> get<00:14:54.329> big<00:14:54.480> enough<00:14:54.600> sui<00:14:54.930> will 00:14:55.069 --> 00:14:55.079 align:start position:0% ourselves as we get big enough sui will 00:14:55.079 --> 00:14:57.710 align:start position:0% ourselves as we get big enough sui will dissing<00:14:55.709> me<00:14:55.920> disintermediate<00:14:56.910> them<00:14:57.120> we've 00:14:57.710 --> 00:14:57.720 align:start position:0% dissing me disintermediate them we've 00:14:57.720 --> 00:14:59.569 align:start position:0% dissing me disintermediate them we've already<00:14:57.899> disintermediated<00:14:58.800> brokers<00:14:59.339> we're 00:14:59.569 --> 00:14:59.579 align:start position:0% already disintermediated brokers we're 00:14:59.579 --> 00:15:01.189 align:start position:0% already disintermediated brokers we're doing<00:14:59.850> that<00:14:59.970> part<00:15:00.240> like<00:15:00.329> talking<00:15:01.050> to<00:15:01.110> the 00:15:01.189 --> 00:15:01.199 align:start position:0% doing that part like talking to the 00:15:01.199 --> 00:15:03.829 align:start position:0% doing that part like talking to the customer<00:15:01.589> directly<00:15:01.829> ourselves<00:15:02.459> hmm<00:15:02.910> and<00:15:03.660> then 00:15:03.829 --> 00:15:03.839 align:start position:0% customer directly ourselves hmm and then 00:15:03.839 --> 00:15:06.620 align:start position:0% customer directly ourselves hmm and then we'll<00:15:03.990> eventually<00:15:04.230> sell<00:15:04.649> directly<00:15:05.309> to<00:15:05.630> the 00:15:06.620 --> 00:15:06.630 align:start position:0% we'll eventually sell directly to the 00:15:06.630 --> 00:15:08.480 align:start position:0% we'll eventually sell directly to the capital<00:15:06.990> markets<00:15:07.319> mm-hmm<00:15:07.889> whether<00:15:08.339> that's 00:15:08.480 --> 00:15:08.490 align:start position:0% capital markets mm-hmm whether that's 00:15:08.490 --> 00:15:10.069 align:start position:0% capital markets mm-hmm whether that's Fannie<00:15:08.850> Mae<00:15:09.059> or<00:15:09.089> Freddie<00:15:09.269> Mac<00:15:09.540> or<00:15:09.959> other 00:15:10.069 --> 00:15:10.079 align:start position:0% Fannie Mae or Freddie Mac or other 00:15:10.079 --> 00:15:11.660 align:start position:0% Fannie Mae or Freddie Mac or other investors<00:15:10.620> but<00:15:10.769> we're<00:15:10.920> going<00:15:11.009> to<00:15:11.069> interface 00:15:11.660 --> 00:15:11.670 align:start position:0% investors but we're going to interface 00:15:11.670 --> 00:15:14.079 align:start position:0% investors but we're going to interface directly<00:15:11.819> with<00:15:12.120> them<00:15:12.420> so<00:15:12.540> the<00:15:12.629> goal<00:15:12.839> is<00:15:12.870> to 00:15:14.079 --> 00:15:14.089 align:start position:0% directly with them so the goal is to 00:15:14.089 --> 00:15:16.220 align:start position:0% directly with them so the goal is to create<00:15:15.089> a<00:15:15.209> short<00:15:15.569> of<00:15:15.689> a<00:15:15.750> distance<00:15:16.079> as<00:15:16.170> possible 00:15:16.220 --> 00:15:16.230 align:start position:0% create a short of a distance as possible 00:15:16.230 --> 00:15:19.759 align:start position:0% create a short of a distance as possible between<00:15:17.180> you<00:15:18.180> know<00:15:18.269> a<00:15:18.509> home<00:15:18.809> buyer<00:15:19.019> consumer 00:15:19.759 --> 00:15:19.769 align:start position:0% between you know a home buyer consumer 00:15:19.769 --> 00:15:23.030 align:start position:0% between you know a home buyer consumer and<00:15:19.980> the<00:15:20.009> sources<00:15:20.970> of<00:15:21.029> capital<00:15:21.240> nice<00:15:21.870> so<00:15:22.769> you 00:15:23.030 --> 00:15:23.040 align:start position:0% and the sources of capital nice so you 00:15:23.040 --> 00:15:24.830 align:start position:0% and the sources of capital nice so you know<00:15:23.130> I<00:15:23.160> person<00:15:23.610> found<00:15:23.730> like<00:15:24.029> red<00:15:24.240> so 00:15:24.830 --> 00:15:24.840 align:start position:0% know I person found like red so 00:15:24.840 --> 00:15:26.540 align:start position:0% know I person found like red so the<00:15:25.320> problems<00:15:25.650> with<00:15:25.800> banks<00:15:26.070> with<00:15:26.190> mikey<00:15:26.430> is 00:15:26.540 --> 00:15:26.550 align:start position:0% the problems with banks with mikey is 00:15:26.550 --> 00:15:28.610 align:start position:0% the problems with banks with mikey is right<00:15:26.790> like<00:15:26.970> no<00:15:27.090> let's<00:15:27.420> say<00:15:27.600> an<00:15:28.140> experience<00:15:28.530> is 00:15:28.610 --> 00:15:28.620 align:start position:0% right like no let's say an experience is 00:15:28.620 --> 00:15:30.320 align:start position:0% right like no let's say an experience is our<00:15:28.740> own<00:15:28.800> social<00:15:29.010> security<00:15:29.550> number<00:15:29.820> mm-hmm 00:15:30.320 --> 00:15:30.330 align:start position:0% our own social security number mm-hmm 00:15:30.330 --> 00:15:32.690 align:start position:0% our own social security number mm-hmm for<00:15:30.720> my<00:15:30.810> wife<00:15:30.990> the<00:15:31.740> completely<00:15:32.160> stops<00:15:32.400> bank<00:15:32.610> of 00:15:32.690 --> 00:15:32.700 align:start position:0% for my wife the completely stops bank of 00:15:32.700 --> 00:15:34.340 align:start position:0% for my wife the completely stops bank of america<00:15:33.150> yeah<00:15:33.570> the<00:15:33.720> basically<00:15:34.020> said<00:15:34.140> go<00:15:34.230> back 00:15:34.340 --> 00:15:34.350 align:start position:0% america yeah the basically said go back 00:15:34.350 --> 00:15:36.680 align:start position:0% america yeah the basically said go back to<00:15:34.440> experience<00:15:34.890> fix<00:15:35.280> it<00:15:35.460> mm-hmm<00:15:36.060> right<00:15:36.450> and 00:15:36.680 --> 00:15:36.690 align:start position:0% to experience fix it mm-hmm right and 00:15:36.690 --> 00:15:39.320 align:start position:0% to experience fix it mm-hmm right and then<00:15:37.200> proceed<00:15:37.950> yeah<00:15:38.370> and<00:15:38.790> somebody<00:15:39.000> told<00:15:39.240> me 00:15:39.320 --> 00:15:39.330 align:start position:0% then proceed yeah and somebody told me 00:15:39.330 --> 00:15:40.700 align:start position:0% then proceed yeah and somebody told me Bank<00:15:39.570> of<00:15:39.660> America<00:15:39.930> will<00:15:40.020> never<00:15:40.050> close<00:15:40.380> in<00:15:40.560> time 00:15:40.700 --> 00:15:40.710 align:start position:0% Bank of America will never close in time 00:15:40.710 --> 00:15:42.440 align:start position:0% Bank of America will never close in time and<00:15:41.430> I<00:15:41.490> said<00:15:41.550> no<00:15:41.820> they<00:15:42.000> give<00:15:42.150> a<00:15:42.180> very<00:15:42.360> good 00:15:42.440 --> 00:15:42.450 align:start position:0% and I said no they give a very good 00:15:42.450 --> 00:15:44.420 align:start position:0% and I said no they give a very good right<00:15:42.690> I'm<00:15:42.840> going<00:15:43.020> on<00:15:43.200> dreamin<00:15:43.710> customer<00:15:44.100> yeah 00:15:44.420 --> 00:15:44.430 align:start position:0% right I'm going on dreamin customer yeah 00:15:44.430 --> 00:15:46.790 align:start position:0% right I'm going on dreamin customer yeah they<00:15:44.940> know<00:15:45.060> they<00:15:45.270> won't<00:15:45.390> do<00:15:45.600> this<00:15:45.780> right<00:15:46.260> they 00:15:46.790 --> 00:15:46.800 align:start position:0% they know they won't do this right they 00:15:46.800 --> 00:15:49.010 align:start position:0% they know they won't do this right they almost<00:15:46.950> cry<00:15:47.400> they<00:15:47.730> asked<00:15:47.940> me<00:15:48.180> to<00:15:48.360> consider<00:15:48.810> the 00:15:49.010 --> 00:15:49.020 align:start position:0% almost cry they asked me to consider the 00:15:49.020 --> 00:15:50.180 align:start position:0% almost cry they asked me to consider the fact<00:15:49.230> that<00:15:49.320> they<00:15:49.470> will<00:15:49.560> not<00:15:49.650> be<00:15:49.860> able<00:15:49.920> to<00:15:50.040> do 00:15:50.180 --> 00:15:50.190 align:start position:0% fact that they will not be able to do 00:15:50.190 --> 00:15:51.710 align:start position:0% fact that they will not be able to do this<00:15:50.340> I<00:15:50.550> feel<00:15:50.670> extremely<00:15:50.880> short<00:15:51.240> closing<00:15:51.570> time 00:15:51.710 --> 00:15:51.720 align:start position:0% this I feel extremely short closing time 00:15:51.720 --> 00:15:53.750 align:start position:0% this I feel extremely short closing time so<00:15:52.290> I<00:15:52.320> just<00:15:52.560> for<00:15:52.770> fun<00:15:52.980> just<00:15:53.010> to<00:15:53.220> entertain<00:15:53.520> the 00:15:53.750 --> 00:15:53.760 align:start position:0% so I just for fun just to entertain the 00:15:53.760 --> 00:15:56.990 align:start position:0% so I just for fun just to entertain the humor<00:15:54.000> this<00:15:54.240> person<00:15:55.170> I<00:15:55.550> initiated<00:15:56.550> the 00:15:56.990 --> 00:15:57.000 align:start position:0% humor this person I initiated the 00:15:57.000 --> 00:15:59.090 align:start position:0% humor this person I initiated the process<00:15:57.030> with<00:15:57.420> two<00:15:57.570> mm-hmm<00:15:58.260> because<00:15:58.530> and<00:15:58.920> I 00:15:59.090 --> 00:15:59.100 align:start position:0% process with two mm-hmm because and I 00:15:59.100 --> 00:16:00.590 align:start position:0% process with two mm-hmm because and I felt<00:15:59.430> bad<00:15:59.580> about<00:15:59.610> this<00:15:59.970> because<00:16:00.150> one<00:16:00.420> of<00:16:00.450> them 00:16:00.590 --> 00:16:00.600 align:start position:0% felt bad about this because one of them 00:16:00.600 --> 00:16:03.350 align:start position:0% felt bad about this because one of them is<00:16:00.690> not<00:16:00.870> gonna<00:16:01.080> get<00:16:01.920> the<00:16:02.460> deal<00:16:02.670> right<00:16:03.120> they're 00:16:03.350 --> 00:16:03.360 align:start position:0% is not gonna get the deal right they're 00:16:03.360 --> 00:16:05.270 align:start position:0% is not gonna get the deal right they're gonna<00:16:03.420> work<00:16:03.630> for<00:16:03.840> me<00:16:03.870> and<00:16:04.170> not<00:16:04.500> i'm<00:16:04.710> gonna<00:16:04.950> say 00:16:05.270 --> 00:16:05.280 align:start position:0% gonna work for me and not i'm gonna say 00:16:05.280 --> 00:16:06.590 align:start position:0% gonna work for me and not i'm gonna say no<00:16:05.490> you<00:16:05.700> know<00:16:05.820> i'm<00:16:05.880> with<00:16:06.270> the<00:16:06.300> other<00:16:06.450> one 00:16:06.590 --> 00:16:06.600 align:start position:0% no you know i'm with the other one 00:16:06.600 --> 00:16:07.850 align:start position:0% no you know i'm with the other one because<00:16:06.720> you<00:16:06.870> know<00:16:06.990> maybe<00:16:07.200> if<00:16:07.590> there<00:16:07.710> is<00:16:07.830> a 00:16:07.850 --> 00:16:07.860 align:start position:0% because you know maybe if there is a 00:16:07.860 --> 00:16:09.710 align:start position:0% because you know maybe if there is a different<00:16:08.190> and<00:16:08.370> bank<00:16:09.150> america<00:16:09.480> failed 00:16:09.710 --> 00:16:09.720 align:start position:0% different and bank america failed 00:16:09.720 --> 00:16:11.930 align:start position:0% different and bank america failed because<00:16:10.530> experience<00:16:11.340> have<00:16:11.460> there<00:16:11.580> in<00:16:11.820> a 00:16:11.930 --> 00:16:11.940 align:start position:0% because experience have there in a 00:16:11.940 --> 00:16:14.150 align:start position:0% because experience have there in a bureaucratic<00:16:12.420> mistake<00:16:13.080> that's<00:16:13.800> completely 00:16:14.150 --> 00:16:14.160 align:start position:0% bureaucratic mistake that's completely 00:16:14.160 --> 00:16:15.650 align:start position:0% bureaucratic mistake that's completely substance<00:16:14.640> on<00:16:14.700> that<00:16:14.850> tracks<00:16:15.120> they<00:16:15.420> say<00:16:15.540> go 00:16:15.650 --> 00:16:15.660 align:start position:0% substance on that tracks they say go 00:16:15.660 --> 00:16:16.940 align:start position:0% substance on that tracks they say go back<00:16:15.810> to<00:16:15.900> experian<00:16:16.290> you<00:16:16.350> cannot<00:16:16.560> even<00:16:16.680> call 00:16:16.940 --> 00:16:16.950 align:start position:0% back to experian you cannot even call 00:16:16.950 --> 00:16:18.590 align:start position:0% back to experian you cannot even call experience<00:16:17.490> yeah<00:16:17.820> right<00:16:18.120> there's<00:16:18.390> a<00:16:18.480> whole 00:16:18.590 --> 00:16:18.600 align:start position:0% experience yeah right there's a whole 00:16:18.600 --> 00:16:20.450 align:start position:0% experience yeah right there's a whole bunch<00:16:18.720> of<00:16:18.870> you'll<00:16:19.020> experience<00:16:19.470> a<00:16:19.680> mic<00:16:19.950> reports 00:16:20.450 --> 00:16:20.460 align:start position:0% bunch of you'll experience a mic reports 00:16:20.460 --> 00:16:22.520 align:start position:0% bunch of you'll experience a mic reports is<00:16:20.610> wrong<00:16:20.850> give<00:16:21.090> me<00:16:21.150> credit<00:16:21.450> I'm<00:16:22.050> mccray<00:16:22.290> score 00:16:22.520 --> 00:16:22.530 align:start position:0% is wrong give me credit I'm mccray score 00:16:22.530 --> 00:16:23.960 align:start position:0% is wrong give me credit I'm mccray score is<00:16:22.620> wrong<00:16:22.770> because<00:16:22.890> of<00:16:23.160> some<00:16:23.370> states<00:16:23.610> right<00:16:23.820> so 00:16:23.960 --> 00:16:23.970 align:start position:0% is wrong because of some states right so 00:16:23.970 --> 00:16:26.630 align:start position:0% is wrong because of some states right so so<00:16:24.390> basically<00:16:24.630> there<00:16:25.350> are<00:16:25.380> very<00:16:25.920> fortunately 00:16:26.630 --> 00:16:26.640 align:start position:0% so basically there are very fortunately 00:16:26.640 --> 00:16:28.790 align:start position:0% so basically there are very fortunately the<00:16:26.850> second<00:16:27.270> worker<00:16:27.900> was<00:16:28.110> able<00:16:28.410> to<00:16:28.530> do<00:16:28.650> this 00:16:28.790 --> 00:16:28.800 align:start position:0% the second worker was able to do this 00:16:28.800 --> 00:16:31.580 align:start position:0% the second worker was able to do this right<00:16:29.340> so<00:16:29.700> so<00:16:30.360> it<00:16:30.450> was<00:16:30.570> very<00:16:30.630> grateful<00:16:31.020> to<00:16:31.470> the 00:16:31.580 --> 00:16:31.590 align:start position:0% right so so it was very grateful to the 00:16:31.590 --> 00:16:33.050 align:start position:0% right so so it was very grateful to the person<00:16:31.890> who<00:16:31.980> advised<00:16:32.220> me<00:16:32.250> right<00:16:32.700> so<00:16:32.910> the 00:16:33.050 --> 00:16:33.060 align:start position:0% person who advised me right so the 00:16:33.060 --> 00:16:35.900 align:start position:0% person who advised me right so the traditional<00:16:33.480> bank<00:16:33.720> apparently<00:16:34.910> post-crisis 00:16:35.900 --> 00:16:35.910 align:start position:0% traditional bank apparently post-crisis 00:16:35.910 --> 00:16:38.300 align:start position:0% traditional bank apparently post-crisis right<00:16:36.690> there<00:16:37.170> basically<00:16:37.500> super<00:16:37.980> conservative 00:16:38.300 --> 00:16:38.310 align:start position:0% right there basically super conservative 00:16:38.310 --> 00:16:40.970 align:start position:0% right there basically super conservative so<00:16:39.210> what<00:16:39.390> are<00:16:39.420> right<00:16:40.050> but<00:16:40.380> you<00:16:40.650> know<00:16:40.770> the 00:16:40.970 --> 00:16:40.980 align:start position:0% so what are right but you know the 00:16:40.980 --> 00:16:42.640 align:start position:0% so what are right but you know the infrastructure<00:16:41.490> is<00:16:41.670> he<00:16:41.910> right<00:16:42.090> there<00:16:42.120> is 00:16:42.640 --> 00:16:42.650 align:start position:0% infrastructure is he right there is 00:16:42.650 --> 00:16:45.230 align:start position:0% infrastructure is he right there is transgenders<00:16:43.650> experience<00:16:44.370> right<00:16:44.700> Equifax 00:16:45.230 --> 00:16:45.240 align:start position:0% transgenders experience right Equifax 00:16:45.240 --> 00:16:47.330 align:start position:0% transgenders experience right Equifax and<00:16:45.480> so<00:16:45.690> apparently<00:16:46.320> for<00:16:46.980> bike<00:16:47.100> market 00:16:47.330 --> 00:16:47.340 align:start position:0% and so apparently for bike market 00:16:47.340 --> 00:16:50.210 align:start position:0% and so apparently for bike market secrets<00:16:47.970> this<00:16:48.120> regulations<00:16:48.930> mm-hmm<00:16:49.500> you<00:16:50.100> know 00:16:50.210 --> 00:16:50.220 align:start position:0% secrets this regulations mm-hmm you know 00:16:50.220 --> 00:16:52.730 align:start position:0% secrets this regulations mm-hmm you know numbers<00:16:50.910> of<00:16:51.060> the<00:16:51.150> match<00:16:51.300> two<00:16:51.840> out<00:16:51.990> of<00:16:52.020> two<00:16:52.560> much 00:16:52.730 --> 00:16:52.740 align:start position:0% numbers of the match two out of two much 00:16:52.740 --> 00:16:54.890 align:start position:0% numbers of the match two out of two much third<00:16:53.190> doesn't<00:16:53.580> match<00:16:53.700> go<00:16:54.000> fix<00:16:54.210> it<00:16:54.360> right<00:16:54.510> the 00:16:54.890 --> 00:16:54.900 align:start position:0% third doesn't match go fix it right the 00:16:54.900 --> 00:16:58.640 align:start position:0% third doesn't match go fix it right the basically<00:16:55.410> right<00:16:55.980> so<00:16:56.370> so<00:16:56.880> I<00:16:57.270> were<00:16:57.750> able<00:16:57.960> to<00:16:58.110> to 00:16:58.640 --> 00:16:58.650 align:start position:0% basically right so so I were able to to 00:16:58.650 --> 00:17:00.770 align:start position:0% basically right so so I were able to to fix<00:16:58.860> this<00:16:59.010> kind<00:16:59.220> of<00:16:59.280> errors<00:16:59.550> right<00:17:00.300> we<00:17:00.600> should 00:17:00.770 --> 00:17:00.780 align:start position:0% fix this kind of errors right we should 00:17:00.780 --> 00:17:02.120 align:start position:0% fix this kind of errors right we should throw<00:17:01.140> a<00:17:01.230> monkey<00:17:01.500> wrench<00:17:01.650> into<00:17:01.950> the<00:17:02.100> whole 00:17:02.120 --> 00:17:02.130 align:start position:0% throw a monkey wrench into the whole 00:17:02.130 --> 00:17:04.970 align:start position:0% throw a monkey wrench into the whole process<00:17:03.230> are<00:17:04.230> you<00:17:04.350> are<00:17:04.440> able<00:17:04.560> to<00:17:04.709> deal<00:17:04.860> with 00:17:04.970 --> 00:17:04.980 align:start position:0% process are you are able to deal with 00:17:04.980 --> 00:17:06.530 align:start position:0% process are you are able to deal with this<00:17:05.070> all<00:17:05.250> right<00:17:05.370> because<00:17:05.670> if<00:17:05.880> you're<00:17:06.060> one<00:17:06.390> of 00:17:06.530 --> 00:17:06.540 align:start position:0% this all right because if you're one of 00:17:06.540 --> 00:17:09.320 align:start position:0% this all right because if you're one of the<00:17:06.600> banking<00:17:06.930> bank<00:17:07.200> itself<00:17:07.500> right<00:17:08.459> back<00:17:09.180> we'll 00:17:09.320 --> 00:17:09.330 align:start position:0% the banking bank itself right back we'll 00:17:09.330 --> 00:17:10.940 align:start position:0% the banking bank itself right back we'll do<00:17:09.750> the<00:17:09.870> same<00:17:10.020> thing<00:17:10.200> even<00:17:10.470> if<00:17:10.530> you<00:17:10.680> do<00:17:10.830> it 00:17:10.940 --> 00:17:10.950 align:start position:0% do the same thing even if you do it 00:17:10.950 --> 00:17:13.820 align:start position:0% do the same thing even if you do it online<00:17:11.420> so<00:17:12.420> so<00:17:12.810> I<00:17:12.840> were<00:17:13.170> able<00:17:13.410> to<00:17:13.530> apply<00:17:13.770> the 00:17:13.820 --> 00:17:13.830 align:start position:0% online so so I were able to apply the 00:17:13.830 --> 00:17:15.710 align:start position:0% online so so I were able to apply the intelligence<00:17:14.520> right<00:17:15.180> like<00:17:15.330> an<00:17:15.450> intelligent 00:17:15.710 --> 00:17:15.720 align:start position:0% intelligence right like an intelligent 00:17:15.720 --> 00:17:17.390 align:start position:0% intelligence right like an intelligent person<00:17:16.080> looking<00:17:16.500> at<00:17:16.650> this<00:17:16.800> probably<00:17:17.160> will<00:17:17.250> say 00:17:17.390 --> 00:17:17.400 align:start position:0% person looking at this probably will say 00:17:17.400 --> 00:17:19.340 align:start position:0% person looking at this probably will say this<00:17:17.580> should<00:17:17.760> not<00:17:17.850> stop<00:17:18.180> right<00:17:19.080> my 00:17:19.340 --> 00:17:19.350 align:start position:0% this should not stop right my 00:17:19.350 --> 00:17:21.710 align:start position:0% this should not stop right my application<00:17:19.830> mm-hmm<00:17:20.310> so<00:17:20.670> how<00:17:21.270> can<00:17:21.420> I<00:17:21.480> deal 00:17:21.710 --> 00:17:21.720 align:start position:0% application mm-hmm so how can I deal 00:17:21.720 --> 00:17:23.480 align:start position:0% application mm-hmm so how can I deal with<00:17:21.750> this<00:17:21.930> kind<00:17:22.230> of<00:17:22.320> stuff<00:17:23.040> ish<00:17:23.160> current 00:17:23.480 --> 00:17:23.490 align:start position:0% with this kind of stuff ish current 00:17:23.490 --> 00:17:25.310 align:start position:0% with this kind of stuff ish current people<00:17:23.730> perceive<00:17:24.120> as<00:17:24.240> kind<00:17:24.420> of<00:17:24.480> bureaucratic 00:17:25.310 --> 00:17:25.320 align:start position:0% people perceive as kind of bureaucratic 00:17:25.320 --> 00:17:29.510 align:start position:0% people perceive as kind of bureaucratic nonsense<00:17:25.700> that's<00:17:26.700> a<00:17:26.760> great<00:17:26.910> question<00:17:27.470> so<00:17:28.520> one 00:17:29.510 --> 00:17:29.520 align:start position:0% nonsense that's a great question so one 00:17:29.520 --> 00:17:30.650 align:start position:0% nonsense that's a great question so one of<00:17:29.550> the<00:17:29.730> things<00:17:29.790> that<00:17:30.120> we're<00:17:30.240> trying<00:17:30.270> to<00:17:30.540> do 00:17:30.650 --> 00:17:30.660 align:start position:0% of the things that we're trying to do 00:17:30.660 --> 00:17:33.080 align:start position:0% of the things that we're trying to do with<00:17:31.260> our<00:17:32.040> workflow<00:17:32.460> systems<00:17:32.880> our 00:17:33.080 --> 00:17:33.090 align:start position:0% with our workflow systems our 00:17:33.090 --> 00:17:35.900 align:start position:0% with our workflow systems our automations<00:17:33.630> is<00:17:34.290> actually<00:17:34.950> leverage<00:17:35.430> people 00:17:35.900 --> 00:17:35.910 align:start position:0% automations is actually leverage people 00:17:35.910 --> 00:17:36.930 align:start position:0% automations is actually leverage people where<00:17:36.570> people 00:17:36.930 --> 00:17:36.940 align:start position:0% where people 00:17:36.940 --> 00:17:38.250 align:start position:0% where people or<00:17:37.090> what<00:17:37.360> people<00:17:37.630> are<00:17:37.690> best<00:17:37.900> and<00:17:38.140> that's 00:17:38.250 --> 00:17:38.260 align:start position:0% or what people are best and that's 00:17:38.260 --> 00:17:40.980 align:start position:0% or what people are best and that's applying<00:17:38.560> judgment<00:17:39.040> mm-hmm<00:17:39.670> so<00:17:40.150> whether<00:17:40.780> it's 00:17:40.980 --> 00:17:40.990 align:start position:0% applying judgment mm-hmm so whether it's 00:17:40.990 --> 00:17:43.710 align:start position:0% applying judgment mm-hmm so whether it's this<00:17:41.230> case<00:17:41.500> or<00:17:41.860> some<00:17:42.130> other<00:17:42.250> like<00:17:42.550> non<00:17:43.120> happy 00:17:43.710 --> 00:17:43.720 align:start position:0% this case or some other like non happy 00:17:43.720 --> 00:17:46.020 align:start position:0% this case or some other like non happy path<00:17:43.930> case<00:17:44.290> mmm<00:17:44.830> that<00:17:45.040> maybe<00:17:45.490> the<00:17:45.580> automated 00:17:46.020 --> 00:17:46.030 align:start position:0% path case mmm that maybe the automated 00:17:46.030 --> 00:17:47.430 align:start position:0% path case mmm that maybe the automated systems<00:17:46.390> or<00:17:46.510> the<00:17:46.570> workflow<00:17:46.870> systems<00:17:47.170> can't 00:17:47.430 --> 00:17:47.440 align:start position:0% systems or the workflow systems can't 00:17:47.440 --> 00:17:48.810 align:start position:0% systems or the workflow systems can't handle<00:17:47.770> mm-hmm<00:17:48.220> we<00:17:48.400> head<00:17:48.520> will<00:17:48.610> have<00:17:48.730> an 00:17:48.810 --> 00:17:48.820 align:start position:0% handle mm-hmm we head will have an 00:17:48.820 --> 00:17:51.900 align:start position:0% handle mm-hmm we head will have an exception<00:17:49.570> flow<00:17:49.780> mm-hmm<00:17:50.380> where<00:17:50.910> computers 00:17:51.900 --> 00:17:51.910 align:start position:0% exception flow mm-hmm where computers 00:17:51.910 --> 00:17:53.940 align:start position:0% exception flow mm-hmm where computers handle<00:17:52.420> the<00:17:52.510> easy<00:17:52.660> stuff<00:17:52.960> and<00:17:53.230> if<00:17:53.500> something's 00:17:53.940 --> 00:17:53.950 align:start position:0% handle the easy stuff and if something's 00:17:53.950 --> 00:17:55.530 align:start position:0% handle the easy stuff and if something's out<00:17:54.070> of<00:17:54.160> the<00:17:54.250> ordinary<00:17:54.490> it<00:17:54.760> goes<00:17:54.970> to<00:17:55.210> people 00:17:55.530 --> 00:17:55.540 align:start position:0% out of the ordinary it goes to people 00:17:55.540 --> 00:17:58.260 align:start position:0% out of the ordinary it goes to people mm-hmm<00:17:56.080> whose<00:17:56.530> job<00:17:56.800> isn't<00:17:57.070> to<00:17:57.280> make<00:17:57.490> a<00:17:57.550> routine 00:17:58.260 --> 00:17:58.270 align:start position:0% mm-hmm whose job isn't to make a routine 00:17:58.270 --> 00:18:00.240 align:start position:0% mm-hmm whose job isn't to make a routine decision<00:17:58.810> but<00:17:59.290> actually<00:17:59.710> to<00:17:59.830> exercise 00:18:00.240 --> 00:18:00.250 align:start position:0% decision but actually to exercise 00:18:00.250 --> 00:18:02.070 align:start position:0% decision but actually to exercise judgment<00:18:00.490> mm-hmm<00:18:01.240> which<00:18:01.480> in<00:18:01.630> this<00:18:01.750> case<00:18:01.810> would 00:18:02.070 --> 00:18:02.080 align:start position:0% judgment mm-hmm which in this case would 00:18:02.080 --> 00:18:03.540 align:start position:0% judgment mm-hmm which in this case would be<00:18:02.140> a<00:18:02.230> perfect<00:18:02.500> example<00:18:02.590> of<00:18:02.920> okay<00:18:03.310> like 00:18:03.540 --> 00:18:03.550 align:start position:0% be a perfect example of okay like 00:18:03.550 --> 00:18:05.730 align:start position:0% be a perfect example of okay like obviously<00:18:04.030> this<00:18:04.180> is<00:18:04.300> okay<00:18:04.630> there's<00:18:05.230> just<00:18:05.560> like 00:18:05.730 --> 00:18:05.740 align:start position:0% obviously this is okay there's just like 00:18:05.740 --> 00:18:07.680 align:start position:0% obviously this is okay there's just like one<00:18:06.010> out<00:18:06.160> of<00:18:06.280> three<00:18:06.520> is<00:18:06.700> off<00:18:06.910> let's<00:18:07.660> just 00:18:07.680 --> 00:18:07.690 align:start position:0% one out of three is off let's just 00:18:07.690 --> 00:18:09.120 align:start position:0% one out of three is off let's just ignore<00:18:07.960> them<00:18:08.230> and<00:18:08.290> move<00:18:08.500> on<00:18:08.650> yeah<00:18:08.830> and<00:18:08.980> it's 00:18:09.120 --> 00:18:09.130 align:start position:0% ignore them and move on yeah and it's 00:18:09.130 --> 00:18:10.590 align:start position:0% ignore them and move on yeah and it's not<00:18:09.310> the<00:18:09.400> primary<00:18:09.640> right<00:18:10.030> so<00:18:10.210> it's<00:18:10.330> kind<00:18:10.540> of 00:18:10.590 --> 00:18:10.600 align:start position:0% not the primary right so it's kind of 00:18:10.600 --> 00:18:13.890 align:start position:0% not the primary right so it's kind of so-so<00:18:11.380> but<00:18:12.190> that<00:18:12.400> will<00:18:12.640> be<00:18:12.820> possible<00:18:13.570> because 00:18:13.890 --> 00:18:13.900 align:start position:0% so-so but that will be possible because 00:18:13.900 --> 00:18:15.410 align:start position:0% so-so but that will be possible because you<00:18:14.170> will<00:18:14.320> have<00:18:14.500> your<00:18:14.590> own<00:18:14.740> judgment<00:18:15.220> about 00:18:15.410 --> 00:18:15.420 align:start position:0% you will have your own judgment about 00:18:15.420 --> 00:18:19.260 align:start position:0% you will have your own judgment about this<00:18:16.420> warehouse<00:18:16.690> bank<00:18:17.080> credit<00:18:17.920> yeah<00:18:18.610> well<00:18:18.850> I 00:18:19.260 --> 00:18:19.270 align:start position:0% this warehouse bank credit yeah well I 00:18:19.270 --> 00:18:21.660 align:start position:0% this warehouse bank credit yeah well I think<00:18:19.660> there<00:18:20.500> are<00:18:20.530> certain<00:18:21.160> restrictions 00:18:21.660 --> 00:18:21.670 align:start position:0% think there are certain restrictions 00:18:21.670 --> 00:18:22.860 align:start position:0% think there are certain restrictions that's<00:18:21.880> like<00:18:22.060> what<00:18:22.210> Fannie<00:18:22.420> and<00:18:22.540> Freddie<00:18:22.780> Mac 00:18:22.860 --> 00:18:22.870 align:start position:0% that's like what Fannie and Freddie Mac 00:18:22.870 --> 00:18:24.900 align:start position:0% that's like what Fannie and Freddie Mac are<00:18:23.350> willing<00:18:23.830> to<00:18:23.860> deal<00:18:24.070> with<00:18:24.280> mm-hmm<00:18:24.700> but 00:18:24.900 --> 00:18:24.910 align:start position:0% are willing to deal with mm-hmm but 00:18:24.910 --> 00:18:27.390 align:start position:0% are willing to deal with mm-hmm but that's<00:18:25.270> not<00:18:25.390> that's<00:18:26.260> not<00:18:26.410> one<00:18:26.680> of<00:18:26.710> them<00:18:26.890> so<00:18:27.340> if 00:18:27.390 --> 00:18:27.400 align:start position:0% that's not that's not one of them so if 00:18:27.400 --> 00:18:29.460 align:start position:0% that's not that's not one of them so if it's<00:18:27.520> purely<00:18:27.850> internal<00:18:28.390> restriction<00:18:29.020> mm-hmm 00:18:29.460 --> 00:18:29.470 align:start position:0% it's purely internal restriction mm-hmm 00:18:29.470 --> 00:18:32.040 align:start position:0% it's purely internal restriction mm-hmm then<00:18:29.770> we're<00:18:30.040> actually<00:18:30.310> setting<00:18:30.820> people<00:18:31.150> up<00:18:31.450> to 00:18:32.040 --> 00:18:32.050 align:start position:0% then we're actually setting people up to 00:18:32.050 --> 00:18:33.540 align:start position:0% then we're actually setting people up to exercise<00:18:32.470> judgment<00:18:32.710> rather<00:18:33.130> than<00:18:33.310> setting 00:18:33.540 --> 00:18:33.550 align:start position:0% exercise judgment rather than setting 00:18:33.550 --> 00:18:35.460 align:start position:0% exercise judgment rather than setting people<00:18:33.670> up<00:18:33.850> to<00:18:34.000> follow<00:18:34.210> a<00:18:34.330> strict<00:18:34.570> process<00:18:34.990> hmm 00:18:35.460 --> 00:18:35.470 align:start position:0% people up to follow a strict process hmm 00:18:35.470 --> 00:18:37.290 align:start position:0% people up to follow a strict process hmm I<00:18:35.650> think<00:18:35.980> it's<00:18:36.070> kind<00:18:36.160> of<00:18:36.250> just<00:18:36.400> in<00:18:37.000> terms<00:18:37.120> of 00:18:37.290 --> 00:18:37.300 align:start position:0% I think it's kind of just in terms of 00:18:37.300 --> 00:18:38.850 align:start position:0% I think it's kind of just in terms of how<00:18:37.480> or<00:18:37.750> how<00:18:38.020> we're<00:18:38.200> organizing<00:18:38.740> ourselves 00:18:38.850 --> 00:18:38.860 align:start position:0% how or how we're organizing ourselves 00:18:38.860 --> 00:18:40.980 align:start position:0% how or how we're organizing ourselves that's<00:18:39.580> quite<00:18:39.910> a<00:18:40.120> big<00:18:40.240> this<00:18:40.360> so<00:18:40.540> it<00:18:40.630> looks<00:18:40.870> like 00:18:40.980 --> 00:18:40.990 align:start position:0% that's quite a big this so it looks like 00:18:40.990 --> 00:18:42.930 align:start position:0% that's quite a big this so it looks like you<00:18:41.530> should<00:18:41.710> be<00:18:41.770> a<00:18:41.800> mortgage<00:18:42.070> company<00:18:42.550> it 00:18:42.930 --> 00:18:42.940 align:start position:0% you should be a mortgage company it 00:18:42.940 --> 00:18:44.310 align:start position:0% you should be a mortgage company it sounds<00:18:43.210> like<00:18:43.270> you<00:18:43.450> have<00:18:43.630> a<00:18:43.660> lot<00:18:43.900> of<00:18:43.960> machine 00:18:44.310 --> 00:18:44.320 align:start position:0% sounds like you have a lot of machine 00:18:44.320 --> 00:18:46.200 align:start position:0% sounds like you have a lot of machine learning<00:18:44.350> to<00:18:44.710> do<00:18:44.860> right<00:18:45.490> because<00:18:46.060> some<00:18:46.180> of 00:18:46.200 --> 00:18:46.210 align:start position:0% learning to do right because some of 00:18:46.210 --> 00:18:48.270 align:start position:0% learning to do right because some of these<00:18:46.390> things<00:18:46.660> I<00:18:46.840> can<00:18:46.960> be<00:18:46.990> scary<00:18:47.320> yeah<00:18:47.830> so 00:18:48.270 --> 00:18:48.280 align:start position:0% these things I can be scary yeah so 00:18:48.280 --> 00:18:50.760 align:start position:0% these things I can be scary yeah so whatever<00:18:48.640> plans<00:18:48.940> from<00:18:49.150> ml<00:18:49.600> and<00:18:49.900> machine 00:18:50.760 --> 00:18:50.770 align:start position:0% whatever plans from ml and machine 00:18:50.770 --> 00:18:52.560 align:start position:0% whatever plans from ml and machine learning<00:18:50.800> and<00:18:51.310> artificial<00:18:51.610> intelligence<00:18:52.180> you 00:18:52.560 --> 00:18:52.570 align:start position:0% learning and artificial intelligence you 00:18:52.570 --> 00:18:54.330 align:start position:0% learning and artificial intelligence you know<00:18:52.690> can<00:18:52.990> you<00:18:53.020> become<00:18:53.200> a<00:18:53.320> guy<00:18:53.890> company 00:18:54.330 --> 00:18:54.340 align:start position:0% know can you become a guy company 00:18:54.340 --> 00:18:57.300 align:start position:0% know can you become a guy company mortgage<00:18:54.700> space<00:18:55.350> interesting<00:18:56.350> so<00:18:56.500> we<00:18:57.010> are 00:18:57.300 --> 00:18:57.310 align:start position:0% mortgage space interesting so we are 00:18:57.310 --> 00:18:59.340 align:start position:0% mortgage space interesting so we are going<00:18:57.640> to<00:18:57.820> apply<00:18:57.910> a<00:18:58.120> I<00:18:58.300> it's<00:18:58.780> going<00:18:59.080> to<00:18:59.140> be 00:18:59.340 --> 00:18:59.350 align:start position:0% going to apply a I it's going to be 00:18:59.350 --> 00:19:01.080 align:start position:0% going to apply a I it's going to be around<00:18:59.680> a<00:19:00.010> few<00:19:00.190> different<00:19:00.280> things<00:19:00.460> it's<00:19:00.910> going 00:19:01.080 --> 00:19:01.090 align:start position:0% around a few different things it's going 00:19:01.090 --> 00:19:04.620 align:start position:0% around a few different things it's going to<00:19:01.120> be<00:19:01.270> around<00:19:03.120> customer<00:19:04.120> lifetime<00:19:04.420> value 00:19:04.620 --> 00:19:04.630 align:start position:0% to be around customer lifetime value 00:19:04.630 --> 00:19:07.380 align:start position:0% to be around customer lifetime value mm-hmm<00:19:05.530> try<00:19:05.920> to<00:19:05.980> unfinished<00:19:06.310> I<00:19:06.460> what<00:19:06.940> kinds<00:19:07.300> of 00:19:07.380 --> 00:19:07.390 align:start position:0% mm-hmm try to unfinished I what kinds of 00:19:07.390 --> 00:19:08.610 align:start position:0% mm-hmm try to unfinished I what kinds of people<00:19:07.600> should<00:19:07.750> we<00:19:07.810> have<00:19:07.930> put<00:19:08.110> more<00:19:08.230> emphasis 00:19:08.610 --> 00:19:08.620 align:start position:0% people should we have put more emphasis 00:19:08.620 --> 00:19:12.390 align:start position:0% people should we have put more emphasis on<00:19:08.770> it's<00:19:09.400> going<00:19:09.700> to<00:19:09.730> be<00:19:09.970> risk<00:19:10.840> analytics<00:19:11.770> hmm 00:19:12.390 --> 00:19:12.400 align:start position:0% on it's going to be risk analytics hmm 00:19:12.400 --> 00:19:14.010 align:start position:0% on it's going to be risk analytics hmm trying<00:19:12.760> to<00:19:12.820> gauge<00:19:13.030> what<00:19:13.300> is<00:19:13.420> the<00:19:13.480> credit<00:19:13.840> risk 00:19:14.010 --> 00:19:14.020 align:start position:0% trying to gauge what is the credit risk 00:19:14.020 --> 00:19:16.320 align:start position:0% trying to gauge what is the credit risk that<00:19:14.530> any<00:19:14.590> given<00:19:15.040> person<00:19:15.190> poses<00:19:15.730> that's 00:19:16.320 --> 00:19:16.330 align:start position:0% that any given person poses that's 00:19:16.330 --> 00:19:17.760 align:start position:0% that any given person poses that's actually<00:19:16.570> going<00:19:16.660> to<00:19:16.750> be<00:19:16.780> very<00:19:16.990> valuable<00:19:17.260> to<00:19:17.560> us 00:19:17.760 --> 00:19:17.770 align:start position:0% actually going to be very valuable to us 00:19:17.770 --> 00:19:21.210 align:start position:0% actually going to be very valuable to us if<00:19:17.950> we<00:19:18.250> can<00:19:18.780> demonstrate<00:19:19.780> a<00:19:20.260> superior<00:19:20.950> risk 00:19:21.210 --> 00:19:21.220 align:start position:0% if we can demonstrate a superior risk 00:19:21.220 --> 00:19:24.780 align:start position:0% if we can demonstrate a superior risk model<00:19:21.550> based<00:19:22.150> on<00:19:22.360> AI<00:19:22.710> we<00:19:23.710> can<00:19:23.860> actually<00:19:24.070> market 00:19:24.780 --> 00:19:24.790 align:start position:0% model based on AI we can actually market 00:19:24.790 --> 00:19:27.540 align:start position:0% model based on AI we can actually market our<00:19:24.970> mortgages<00:19:25.750> to<00:19:26.290> investors<00:19:26.830> for<00:19:27.370> a<00:19:27.400> bigger 00:19:27.540 --> 00:19:27.550 align:start position:0% our mortgages to investors for a bigger 00:19:27.550 --> 00:19:29.610 align:start position:0% our mortgages to investors for a bigger premium<00:19:27.970> you<00:19:28.270> literally<00:19:28.720> have<00:19:29.260> higher 00:19:29.610 --> 00:19:29.620 align:start position:0% premium you literally have higher 00:19:29.620 --> 00:19:31.470 align:start position:0% premium you literally have higher revenues<00:19:30.220> if<00:19:30.400> we're<00:19:30.880> really<00:19:31.030> good<00:19:31.240> at<00:19:31.270> AI 00:19:31.470 --> 00:19:31.480 align:start position:0% revenues if we're really good at AI 00:19:31.480 --> 00:19:35.160 align:start position:0% revenues if we're really good at AI mm-hmm<00:19:32.610> so<00:19:33.610> that<00:19:33.790> that's<00:19:34.030> probably<00:19:34.480> the<00:19:34.810> most 00:19:35.160 --> 00:19:35.170 align:start position:0% mm-hmm so that that's probably the most 00:19:35.170 --> 00:19:37.050 align:start position:0% mm-hmm so that that's probably the most immediate<00:19:35.470> application<00:19:35.850> interesting<00:19:36.850> and 00:19:37.050 --> 00:19:37.060 align:start position:0% immediate application interesting and 00:19:37.060 --> 00:19:39.180 align:start position:0% immediate application interesting and how<00:19:37.570> far<00:19:37.810> are<00:19:38.050> you<00:19:38.140> from<00:19:38.170> this<00:19:38.530> that<00:19:39.040> we're 00:19:39.180 --> 00:19:39.190 align:start position:0% how far are you from this that we're 00:19:39.190 --> 00:19:40.650 align:start position:0% how far are you from this that we're still<00:19:39.370> a<00:19:39.430> ways<00:19:39.520> we're<00:19:40.000> probably<00:19:40.240> going<00:19:40.510> to 00:19:40.650 --> 00:19:40.660 align:start position:0% still a ways we're probably going to 00:19:40.660 --> 00:19:42.150 align:start position:0% still a ways we're probably going to start<00:19:40.900> doing<00:19:41.170> our<00:19:41.260> first<00:19:41.620> predictive 00:19:42.150 --> 00:19:42.160 align:start position:0% start doing our first predictive 00:19:42.160 --> 00:19:44.880 align:start position:0% start doing our first predictive analytics<00:19:43.230> more<00:19:44.230> on<00:19:44.320> the<00:19:44.440> user<00:19:44.620> acquisition 00:19:44.880 --> 00:19:44.890 align:start position:0% analytics more on the user acquisition 00:19:44.890 --> 00:19:47.730 align:start position:0% analytics more on the user acquisition side<00:19:45.430> like<00:19:45.760> more<00:19:45.910> marketing<00:19:46.330> side<00:19:46.510> of<00:19:46.630> things 00:19:47.730 --> 00:19:47.740 align:start position:0% side like more marketing side of things 00:19:47.740 --> 00:19:51.210 align:start position:0% side like more marketing side of things and<00:19:48.070> maybe<00:19:48.520> q2<00:19:49.030> q3<00:19:49.570> of<00:19:49.840> next<00:19:50.170> year<00:19:50.380> okay<00:19:50.740> and 00:19:51.210 --> 00:19:51.220 align:start position:0% and maybe q2 q3 of next year okay and 00:19:51.220 --> 00:19:53.299 align:start position:0% and maybe q2 q3 of next year okay and not<00:19:51.760> too<00:19:51.880> far<00:19:52.059> away<00:19:52.090> not<00:19:52.570> too<00:19:52.750> far<00:19:52.990> away 00:19:53.299 --> 00:19:53.309 align:start position:0% not too far away not too far away 00:19:53.309 --> 00:19:55.919 align:start position:0% not too far away not too far away lifetime<00:19:54.309> and<00:19:54.490> start<00:19:54.700> up<00:19:54.820> yours<00:19:55.030> yes<00:19:55.360> yes<00:19:55.690> yes 00:19:55.919 --> 00:19:55.929 align:start position:0% lifetime and start up yours yes yes yes 00:19:55.929 --> 00:19:59.220 align:start position:0% lifetime and start up yours yes yes yes yeah<00:19:56.050> and<00:19:56.710> then<00:19:57.010> more<00:19:57.700> on<00:19:58.030> the<00:19:58.330> risk<00:19:58.720> modeling 00:19:59.220 --> 00:19:59.230 align:start position:0% yeah and then more on the risk modeling 00:19:59.230 --> 00:20:01.770 align:start position:0% yeah and then more on the risk modeling probably<00:19:59.830> late<00:20:00.400> next<00:20:00.640> year<00:20:00.820> early<00:20:01.540> the 00:20:01.770 --> 00:20:01.780 align:start position:0% probably late next year early the 00:20:01.780 --> 00:20:04.799 align:start position:0% probably late next year early the following<00:20:01.929> year<00:20:02.380> okay<00:20:02.860> and<00:20:03.190> do<00:20:04.120> have<00:20:04.330> any<00:20:04.510> idea 00:20:04.799 --> 00:20:04.809 align:start position:0% following year okay and do have any idea 00:20:04.809 --> 00:20:06.750 align:start position:0% following year okay and do have any idea which<00:20:05.050> sticks<00:20:05.590> which<00:20:05.860> software<00:20:06.220> sex<00:20:06.550> again 00:20:06.750 --> 00:20:06.760 align:start position:0% which sticks which software sex again 00:20:06.760 --> 00:20:09.660 align:start position:0% which sticks which software sex again use<00:20:06.940> for<00:20:07.179> Marceline<00:20:07.620> not<00:20:08.620> yet<00:20:08.800> okay<00:20:09.160> not<00:20:09.460> yet 00:20:09.660 --> 00:20:09.670 align:start position:0% use for Marceline not yet okay not yet 00:20:09.670 --> 00:20:11.280 align:start position:0% use for Marceline not yet okay not yet all<00:20:10.240> right<00:20:10.360> captain<00:20:10.510> water<00:20:10.809> down<00:20:10.990> adopts 00:20:11.280 --> 00:20:11.290 align:start position:0% all right captain water down adopts 00:20:11.290 --> 00:20:13.530 align:start position:0% all right captain water down adopts we're<00:20:11.710> gonna<00:20:11.830> write<00:20:12.610> a<00:20:12.640> post<00:20:12.940> one<00:20:13.120> of<00:20:13.240> them<00:20:13.420> we 00:20:13.530 --> 00:20:13.540 align:start position:0% we're gonna write a post one of them we 00:20:13.540 --> 00:20:15.480 align:start position:0% we're gonna write a post one of them we will<00:20:13.630> cover<00:20:13.750> by<00:20:13.900> area<00:20:14.290> in<00:20:14.590> addition<00:20:14.950> to<00:20:15.100> the<00:20:15.280> as 00:20:15.480 --> 00:20:15.490 align:start position:0% will cover by area in addition to the as 00:20:15.490 --> 00:20:17.340 align:start position:0% will cover by area in addition to the as a<00:20:15.790> scholar<00:20:16.150> and<00:20:16.450> the<00:20:16.540> some<00:20:16.720> spark<00:20:16.990> right<00:20:17.200> now 00:20:17.340 --> 00:20:17.350 align:start position:0% a scholar and the some spark right now 00:20:17.350 --> 00:20:20.160 align:start position:0% a scholar and the some spark right now so<00:20:17.530> yeah<00:20:17.860> so<00:20:18.640> I'm<00:20:18.970> a<00:20:19.120> lib<00:20:19.330> and<00:20:19.570> sparking<00:20:20.020> I'll 00:20:20.160 --> 00:20:20.170 align:start position:0% so yeah so I'm a lib and sparking I'll 00:20:20.170 --> 00:20:23.070 align:start position:0% so yeah so I'm a lib and sparking I'll you<00:20:20.590> know<00:20:20.650> it's<00:20:21.250> all<00:20:21.520> kind<00:20:21.880> of<00:20:21.929> good<00:20:22.929> options 00:20:23.070 --> 00:20:23.080 align:start position:0% you know it's all kind of good options 00:20:23.080 --> 00:20:26.490 align:start position:0% you know it's all kind of good options at<00:20:23.500> this<00:20:23.620> point<00:20:23.679> yeah<00:20:24.330> cool<00:20:25.330> so<00:20:25.720> super 00:20:26.490 --> 00:20:26.500 align:start position:0% at this point yeah cool so super 00:20:26.500 --> 00:20:28.320 align:start position:0% at this point yeah cool so super exciting<00:20:26.860> looking<00:20:27.460> forward<00:20:27.640> to<00:20:27.760> your<00:20:27.970> talk 00:20:28.320 --> 00:20:28.330 align:start position:0% exciting looking forward to your talk 00:20:28.330 --> 00:20:30.840 align:start position:0% exciting looking forward to your talk about<00:20:28.570> chloride<00:20:29.140> or<00:20:29.440> when<00:20:30.010> meet<00:20:30.190> up<00:20:30.340> and<00:20:30.550> thank 00:20:30.840 --> 00:20:30.850 align:start position:0% about chloride or when meet up and thank 00:20:30.850 --> 00:20:32.549 align:start position:0% about chloride or when meet up and thank you<00:20:30.910> very<00:20:30.940> much<00:20:31.179> for<00:20:31.210> foreign<00:20:32.020> skier<00:20:32.230> all 00:20:32.549 --> 00:20:32.559 align:start position:0% you very much for foreign skier all 00:20:32.559 --> 00:20:35.910 align:start position:0% you very much for foreign skier all right<00:20:32.710> thank<00:20:32.890> you<00:20:33.160> Alexi<00:20:33.610> what