June 2020, then 20-year-old Alex Kearns from Naperville, Ill., Committed suicide, in large part thanks to a bug in the Robinhood system. The bug was that he had activated the app, she said he owed $ 730,000 which he didn’t have, due to options positions he thought canceled but didn’t appear to. He called the helpline. The helpline, of course, was not busy, as we have seen. He sent several panicked emails – three, to be precise – did not receive a response. In the end, the emails responded that, in fact, his positions were covered. But by then it was too late because he had committed suicide. The – he’s a twenty-year-old gentleman. Under Illinois law, he was not allowed to buy a beer, but he was allowed to take $ 730,000 in positions and exposures that he did not have the cash to cover. Your mission, Mr. Tenev, is to democratize finance. But the story of financial regulation is about protecting people like Alex Kearns from the system. As the old joke says, if you are playing poker and you don’t know who the fish are at the table, you should leave the table because you are probably the fish. And there is an innate tension in your business model between democratizing finance, which is a noble calling, and being a channel to feed sharks. So I’m nervous. I think I had an exposure. And I’m calling your help line now. Let’s call and listen to the time we have left for what I’m going to hear on the other end of the phone. Voicemail: “Thanks for calling Robinhood. Please visit us on robinhood.com or our app for further assistance. If you have an urgent business need, please be sure to include the details when contacting us. Thanks, have a good day.