October 11, 2022

Eve Halimi, Co-Founder of Alinea Invest

Eve Halimi is the Co-Founder and Co-CEO of Alinea, an investing app created for Gen Z’s which allows users to grow their money by investing in what matters to them. She gained extensive experience empowering brands to build better digital experiences working in strategy at Contentsquare, a growth stage data analytics startup, bringing that expertise to Alinea. Prior to creating Alinea, Halimi held multiple positions at financial institutions and hedge funds such as Goldman Sachs and Boussard & Gavaudan. She founded her first community-based application at the age of 15. Alinea is backed by Y Combinator, Harvard, Kima, Goodwater and many other leading investors.

Julian: Hey everyone. Thank you so much for joining the Behind Company Lines podcast. Today we have Eve Halimi, co-founder of Alinea Invest, an investing app created for Gen Zs, which allows users to grow their money by investing in what matters to them. Eve, thank you so much for being on the show. I'm really excited to chat with yo

Julian: Like I mentioned to you offline. I saw your product on TikTok, which got me super excited about what you're doing and and what your building. I'm so happy to have you on the show, and before we jump into all the questions that I want to ask, what were you doing before you started Alinea?  

Eve: Thank you for having me on the show. Super happy to be here today. and what I was doing before starting Alinea a lot. Essentially, I started interning when I was in college at On Wall Street. So my first real internship was my sophomore year at Goldman Sachs. I was working on the cash equity desk, working on a few IPOs atthe time.

Eve: So the door dash IPO.. Well, that was a great experience. I hated being in that environment. I worked at Goldman, where especially I felt like women on the cash equity side of things were kind of there to please the clients were there to, to entertain them more than taken them seriously. And and so the following summer I ended up going to work for two Goldman Sachs partners that I had met the, the previous summer who had a hedge fund.

Eve: Called . And that that was an incredible experience and that's where I kind of got to learn a bit moreabout the FinTech space and and started researching more into the gender investing gap problem. Yeah. During that summer. I came back to school my senior year of college at Columbia University Barnard College and took an entrepreneurship class where I met my co-founder today, Anam Lakhani, who was also doing economics in school and who had also interned on Wall Street atCitibank.
I

Eve: Mm-hmm. and she and Iboth came back our senior year. We had money in the bank from our summer internships, and we still. Lost as to how to invest our money. We didn't knowhow much to invest. We didn't know how to diversify our portfolios. We didn'tknow how to really think about investing and, and managing our finances.

Eve: And when we startedasking our friends, it was a lot of our guy friends who were having theconversations, but not necessarily our girlfriends. And that's when the ideafor Linea kind of sparked, and it started in this entrepreneurship class wherewe wanted to create this new community for investing that was more inclusive,more welcoming and and open the conversation.

Eve: Cause I think the bigproblem today is just we're not having enough conversations about it. Sothat's, that's kind of what I was doing. Prior to starting it in a schoolproject. But then I went on, after I graduated, I went on to work for a yearand a half onto the CEO of a growth stage startup called Content Square.

Eve: Mm-hmm. . So I wasworking on the series financing of the, the startup. I worked on a fewacquisitions there and I was working on the IPO preparation, which was reallyexciting.

Julian: Yeah. So manyquestions come, come from that experience and, and it's so exciting to see howeach step, the way. You know, probably pieces and fragments of information, butit overall, that theme kind of stayed with you and I'm sure, you know,motivated you more so to, to, to build Alinea.

Julian: You know, you talkedabout their, the conversation being very, very much like male dominated and nota lot of, of the other perspective or an alternative perspective. And I guessmy question is, what, what was gained when you started opening up theconversation? You know, investors with, you know, different gender backgroundsor orientations and just sound like, you know, not so cisgendered and, andheteronormative.

Julian: What was like the, theinsights that you were getting that you thought were like, Wow, these are,these are, I'm, I'm sure there were so many key things that were exciting andinteresting and, and offering a perspective must have just opened the door fora lot of different you know you know, strategies and things along that nature.

Julian: But what was gained inyour eyes the most when you started opening up the conversation?  

Eve: Yeah, so it wasinteresting. There were a few sentences that were repeated over and over again.Mm-hmm. , it was, I didn't think investing was, for me, I always thought it wasa rich, old white man thing. That, that was probably the most hard one.

Eve: Yeah. My dad dealswith that. My boyfriend deals with that. It's, it's not for me. I don't evenknow where to. . And so those were kind of the buckets of messaging that wewere hearing constantly. It was never, Oh, I learned about investing throughone of my female friends, or through my mother. It was always about the, thefathers, the uncle, the boyfriend.

Eve: And it was alwayslike, I don't feel like I fitted, I don't feel like it's for me. And that'swhere that's where we were like, Okay, we really need to change. thisenvironment.  

Julian: Yeah, I, I come frommy family is come, come from S Gu in Mexico. So, you know, there is kind ofthis barrier of information that you know, I, I learned there was just so muchaccess that was lacking, especially in, in our community that I gained cuz I hadgone to a private school, which my parents, you know, scrounged up money to, tosend me to and then I was able to get more information through college. Butwhere, where do people. If they don't have that access, get that information orcan they get that information from what you've seen doing research on, on thisspecific area of investment and information?

Eve: Yeah, I, I think thisinformation comes from, again, your community and the people you're speakingwith. So if you are in a community or a group of friends that are telling youabout Robin Hood telling you about, We Bowl telling you about their trades andhow they invested in Tesla the other day and all of that, you'll also go into,get into it. But a lot of the time we forget that a lot of young women or theyoung minorities aren't having these conversations.

Eve: And that's what we, werealize and that, and I think. Been very hard for people to understand and veryhard for investors to understand also because they're not on the ground andthey're not understanding and they're not in the position that we are in thatthese conversations aren't ensuring. And it's very hard for someone to just goon the internet and type in how to, how to start investing. There's going to bea ton. There's going to be so much sensory overload, confirmation, then youdon't even know where to start. So, Quit the page and and move on with yourlife.  

Julian: Yeah. What, what, whatdo you see or I don't know if you have a number but what is being left on thetable if we're not accessing these groups of people who predominantly don'thave access to that information?

Julian: Or like you said, kindof this information overload. I don't know if you have a percentage or anumber, but what piece of the pie are we leaving on the table to not giveeveryone access to investing in information along investing in how to and inguidance as well?  

Eve: Yeah. I mean, in thecourse of a lifetime, if you're not investing, you're losing out on at least amillion dollars, right? So there's money that you are, we're not generating inthe economy by not including or promoting these, these people that are kind ofbeing left behind. There's also the fact that. A lot of people are notinvesting in, in different asset classes. So when I was working at the hedgefund that summer in 20 19, 2018-2019 I was looking at stats of how many womenwere investing in Bitcoin and the statistic was 9%. So it's extremely low. AndI think today we're around 15% to 20%. So it's definitely increased, but it's, it'sstill, yeah, there's still a big gap between Between female and maleinvestors.  

Julian: Yeah. What what isAlinea doing better than other applications? That is allowing more female orwomen to invest in, whether it's stocks or crypto. And I feel like. You know,when you kind of target not only you know, the gender gap, but you also, youknow, target minority gap as well in allowing people to have overall access.But what are you doing well that you, that you think is, is going to open upkind of a, an open sea for these people to invest into different yeah assetclasses.

Eve: Yeah. I think whatwe're doing is definitely addressing the beginner's problem, so how to getstarted, how to invest when you don't know anything. But we're also attractinga lot of people who have 10 plus years of experience on we who are coming onour application because we have this special feature called Playlist, which areoptions of investments or basket of investments. So you can invest, you can puta basket together of over 10,000 investment and invest in one click as littleas a dollar, which is an offering that none of the apps currently have. You cancustomize it, you can make it your own. And we do it completely for free.

Eve: Which definitely hasbeen the reason for a lot of people to switch over from Robinhood Public andother apps. What we, why we are specifically targeting this younger demographicthat's new to investing. And what we are doing that makes it easier is thatinstead of trying to make a bet on a single stock, which Robin Hood, Weeble andothers are pushing you to do, Yeah.

Eve: We're really helpingyou invest in an initial basket of collection of investment through thisplaylist concept and what you believe in. So let's say I work in the beauty industry.I wanna invest in public companies that are in the beauty sector. Like OlaplexS loader, et cetera. Well, we're gonna have a beauty playlist that's gonna havefour to five investments, super easy that you can invest across all of those inone click.

Eve: So it makes the, thequestion of like, what should I invest in? Much easier to deal with, and youcan align your, your values with your investments.  

Julian: Yeah, that'sincredible. I love plexes shampoo conditioner there. Definitely, definitely a,a user here. You know, when, when you think about like the next generation ofinvestment I, I, there's just so, there's so much opportunity and I feel likeapplications are doing such a great job in matching education technology andhelping people not only get onto their platform, but utilize it to their bestability. But what do you see the next generation of investing looking like? Isit, is it mainly, you know, a younger demographic kind of disrupting you know,kind of the, the incumbent of investment that has been to date?

Julian: Or is it kind of notonly that community, but. Beginning to educate themselves more so on makingeducated guesses in in, in investment. How do you see like the next generationof investment playing out? Not only now, but in, you know, in the future to come?  

Eve: Yeah, I, I really seeour, our generation caring less about financial returns and more about backingand investing in companies that they support. I think that that's going to behuge impact into whether you're investing in something or not. You're gonnalook at what the female leadership is on the board. You're going to look at theclimate impact the company has. You're going to look at all these differentfactors and not necessarily esg because ESG is, talk about that on anotherpodcast.

Eve: But different factors,diversity factors and and inclusivity factors that are. That are different thanjust looking at the PE ratio. So it's gonna be more encompassing of differentstatistics. Mm-hmm. and it's going to be a lot around like, okay, I, I loveusing Apple products, I love using Plex products.

Eve: I want to be ashareholder in this company. Whether I have $5 or $5,000, I still wanna. Apiece of the company. And with that comes a lot of perks, stock perks, whichhaven't really been introduced yet but I think are going to be more and morepowerful because retail traders now encompass 30% of the entire marketinvesting market.

Eve: And that number's onlygrowing. And so we're public companies want to give back to their, their retailtraders. The retail traders more and they wanna offer. Perks and rewards forthem. So there's going to be more of a relationship between that retailinvestor and that public company.  

Julian: Yeah. I love that. It,it it reminds me of, of, someone said, I think I read this online. It was, itwas that, you know, companies are like VCs and, and other private equitycompanies that are investing into. You know, technology and technologycompanies that are focusing less on the unicorn companies and, and focusingmore on the zebra companies, which are encompassing community and alsoeducation and kind of social impact as well.

Julian: All these things Ithink, are educating a user or a customer to make better decisions, but alsomake decisions that they really care about. And it's amazing to see that, youknow, on different social platform. There's a lot more accountability thatpeople are, are giving companies for either the decisions they make on productor the decisions they make as, as a total company.

Julian: So I love the abilityto feel more involved based on the things you like and things you use. Youmentioned, you know, there's obviously so many other platforms that have.Tackled investing fidelity, we talked about before the show, Robin Hood, whichis, you know, I mentioned that I was using that before finding Alinea throughTikTok but also Weeble as well, which I don't know how to use it.

Julian: It's, it's fairly notintuitive. I hope, I hope they don't, you know, I don't have the feelingsthere, but it seems as though like, you know, the new technology that, thatyou're building is very much encompassing a a an easy user interface, but alsothis educational piece. That's helping people take advantage of it.

Julian: But when you thinkabout taking on incumbents like, you know, the Robin Hoods, the weebles, how,how was that conversation when, you know, seeking out investment, how do youtake on an already adopted platform that is, you know, public and, and, and,you know, fairly widely adopted and used? What's the strategy around that?

Julian: I think a lot ofstartup. Or a lot of startups face this where there's somebody, some, someother company that they're, you know, using or, or their competition. Andthere's a lot to be said about the strategy when, when coming against them. Butwhat, what was your strategy when tackling you know, bigger companies or moreestablished startups? You, what was that strategy? .  

Eve: Yeah. I, I think thereason we got into YC is because we brought in this unique insight mm-hmm.because we were on the ground and we have a different perspective than. Thensomeone working at Robin Hood, for instance. Yeah. And when you speak to usersand we do surveys with users, our biggest competitor today isn't Robin Hood orFidelity.

Eve: It's not, notinvesting, that's the biggest problem, Right? I don't invest, I don't knowwhere to start. So. That when we realized that that was the, the biggestcompetitor. And when we presented that data to, to yc and when we showed someearly loyal customer base I, I, that's when Michael Sibel, the Cfy Combinatorwas like, Okay, the, these young girls definitely know something that we don't.

Eve: One. And and two, justlike with everything else, Things are changing. People are, are doing thingsdifferently and with investing that's happening as well. Robin Hood was verymuch a gamified. Gamified is very much a gamified investing platform where youcan day trade stocks and, and feel great about them, or you can be a long terminvestor, but it feels very gamified and very much not for the long termmindset.

Eve: Not diversified, notsocial, doesn't have a community, doesn't have education, lacks all of thesekind of components, which our generation needs more of. And, and so yeah, Ithink through a lot of user testing, a lot of. User research over the yearswe've been able to, to prove and back what we're doing.

Eve: I will also say thatwhen we spoke to users and collected data, a lot of them were saying, Oh, Idownloaded Robin Hood, and then I didn't know what to do, so I deleted the app.And that was the same case for Fidelity for other apps. It was like, I didn'tfeel like this was for me. Whether it was the user interface, whether it wasthe, the fact that you were pushed into single stocks but, or the fact thatthere's no handholding or education really kind of threw off a lot of thesebeginner investors.

Julian: Yeah, I, I, I kind ofequate it to like, if I were to, or like IKEA furniture, sometimes you get theinstructions, sometimes you. And it makes it that much more difficult to, toget set up. What, you know, obviously it sounds like, you know, the demographicinformation was super compelling to investors, but what other pieces of yourstory or your mission or your technology were, were, you know, equallycompelling for companies to invest in, in your product?

Julian: That you maybe, Idon't know if you still focus on them today or, or if you do, but what was,what else was compelling about the story? That, that really got people behindthe product and supported it.  

Eve: Yeah. Number one,we're our own target customer, so we're building for ourselves. Yeah. And Ithink that was a key, key factor into what we were, our story and, and our, andour product.

Eve: Mm-hmm. . And numbertwo, investing with impact, which hasn't really been well done till today. Andand, and yeah. And lastly it was the fact that we were moving really fast, likewe were in full-time jobs with my co-founder and Iman. We had, were in theprocess of getting a registered investment advisor of the scc.

Eve: Had gone into YCombinator, had built an MVP like we were in eight weeks. We basically launchedthe first version of the app and. We, yeah, we showed that we were very hungry,that we really wanted address and tackle this problem and and we were the rightteam to do so.

Julian: Amazing. What, whatwas the pitch like?, I'm always curious on, on how people are selling, sellingtheir products. What, what was like the, the pitch for investors and, and whenyou were in that process?  

Eve: Yeah. So it was, itwas a different kind of fundraising because we did it through Y Combinators.Yeah. So it was during demo day, During all of these fa there were all thesefactors that definitely help you with raising money.

Eve: Mm-hmm. The pitch was,I mean social responsible investing for Gen Z. I think that that was our, ourone liner when we applied to yc and it was, yeah, really investing with ImpactInsights. Mm-hmm. Targeting Gen Z helping first time investors get started,like all of that. And it would, today, like a year and a half later iscompletely true.

Eve: Like all of our, 76%of our users are first time investors. Over 68% are female. I'm, I'm forgettingsome others, but like we, we kind of. Stayed with the same mission and, andstayed with the same vision. We, we still are backing what our originalhypothesis was from the beginning.  

Julian: Yeah. That's amazing.Tell tell me a little bit more about the traction. How many users are you nowcurrently? You, you mentioned a percentage of, of how many of them were women.Would love to hear that number again. And, and kind of overall, what's theadoption of, of the application look like? How many downloads do you have?

Julian: Tell us a little bitabout the success that you're, that you're currently currently seeing.  

Eve: Yeah, so I, I can'tshare everything with you, but we have over 50,000 investors on the app, andthat's been done really just organically. We haven't pushed anything on paid.It's been a lot of what we were doing initially was things that don't scale.

Eve: So for the first yearwe went on college campuses, we spoke to students, we spoke, we sat down in.College campus clubs and, and really understood. So yeah, understood theproblems really dive deeper into them. Recently we've been able to, to scalethe user base a bit more, thanks to TikTok. So we've been growing about 30 to40% month over month, The last two months amazing.

Eve: Because of TikTok hasbeen great. So I, I said I think 68% was female. I think now today we're moreat like 74%, 75%. Because, because oft TikTok again. Yeah. So, so yeah, we'vehad a bit of a, we've had campus ambassadors, which have been incrediblesupport founding members of the team. Really? Yeah. And they have been incollege and then we, we've been, yeah, we've been just trying on now.  

Julian: Amazing. Amazing. Onething that popped into my head just thinking about kind of the overall journeywith, with investment platforms is the difficulty in, in like complianceregulation and you know, we saw the big game stop. I don't know if it's a snapfood, I don't, I don't know what you call it.

Julian: Situation that.Robinhood found themselves in, but how does a company you know, in in yourexperience, kind of keep up with regulation compliance and, and also create aplatform that is you know, I think it's like, I forgot what fee you chargeexactly, but essentially allows. This low class, low cost trading to besuccessful.

Julian: In an environmentwhere, where you're, you know, there is a lot of regulation, how do you go aboutworking through those loopholes or those boundaries or those barriers? What,what, what's the process like? If you were to give us a little bit of insighton, on how you, how it works?

Eve: Yeah. So theregulation was actually not as bad as we thought to get set up. That was nice.I mean, when you speak with different founders, everyone will have a differentanswer to this, but for us specifically, we didn't find that part to be thatchallenging. Mm-hmm. What's definitely been challenging is working around abusiness model. Mm-hmm. We are registered investment advisor, not a brokerdealer.

Eve: So we did not partakein payment for order flow. We never wanted to be a broker dealer. We wanted toalways be investment advisor to have our clients' best interests at heart. Andand that's, yeah, a big differentiator with us in Robin Hood and a lot of theother players. is that we really have to always think about the customer firstand have to provide the best investment advice.

Eve: And so, so yeah, sowe, we basically have to, to figure out our, our business model a bit further.We currently are charging a 1% spread on cryptocurrency fees. But with thatsaid, we are going to be releasing a premium version of the app in the comingmonth. So that's been in the works. And there are a few other monetizationstreams that are up and coming for us, but it's been extremely challenging towork around with regulations.

Julian: Yeah. If you, if you,if you don't mind, cuz I, I don't know how familiar audience is and, and myselfincluded what, so what is the primary difference between what you are doing andoutside of the other firms that are, that are running? You said yours is moreof a financial advising kind of entity versus they are more brokerage.

Julian: Is that, is thatright? If.  

Eve: Yes, exactly. So abroker dealer is going to make most of their money through payment for orderflow by selling trade. Hedge funds like Citadel got and a register investmentadvisor is going to look out for their customers interest. Essentially the, weare, our fiduciary duty with the SCC is to provide best recommendations for,for users.

Eve: And so something we'vebeen, we've worked on from the beginning. When you get on the app, we'll askyou your interest. We'll ask you your favorite companies, and we'll ask youyour risk tolerance. And based on that, we're going to create a customizableplaylist for you.  

Julian: Amazing. How, howdoes, I mean, it's, it is changing the, the model and the dynamic so much and,and it seems. First of all, the fiduciary responsibility I think is huge and,and definitely overseeing in so many of these applications that are, you know,providing information but you don't know at what interest it's providing themat. How is that changing or, or how are you communicating that level of trustwith your users through the different social platforms?

Julian: Is it through theonboarding experience? Cuz it seems kind of challenging building that trusteven though, you know, as an entity you have to , you know you know, doing inthe best of your customer. How are you communicating that to your, to yourcustomer? .  

Eve: Yeah. I think we coulddefinitely be doing better on that front. We're definitely not marketing it aswell as I, I hoped we would, but we're, it's, it's very evident on ouronboarding. Yeah. During the onboarding process, it's really clear that wehave, yeah, that we are registered investment advisor. But yeah, with thatsaid, there's always people, especially novice investors who ask around why.

Eve: That why we need toask for social security numbers, why we need to ask for sensitive andinformation, and, and that also just comes with the, the current regulatorymarket.  

Julian: Of course, of course.What are the biggest risks that Alinea faces today?

Eve: Oh, great question. ,I mean this, this economic downturn the markets crashing are, are all big bigrisks and, and I think those are definitely the biggest risk.

Eve: We have a very strongteam. We have a very resilient team. We move extremely fast. And we have yeah,an incredible loyal user base, but we, we definitely are in a, in the bestposition with the current market.  

Julian: Yeah. Yeah. What, whatmakes your job particularly hard?  

Eve: Hmm. The fact that Ihave 25 jobs for one person.

Julian: What, what, what itdoes include?  

Eve: No I think, I thinkthat that's time management for founders is not talked about enough and is anarea that needs more help or more support, especially when you're a first timefounder. But yeah, my co-founder and I are constantly juggling like so manydifferent responsibilities and so many different things, including hr,including accounting, including customer support, marketing, social media Like,Yeah, there's everything.

Eve: There's so mucheverything. Every department possible and sub department.  

Julian: Yeah. Is there any isthere any guidance or anything that you use in particular that's been helpfulto address time management?  

Eve: Not really .  

Julian: No, But yeah. Yeah.It's funny. I feel like it's hard to find the exact thing that works for you.

Julian: You have to go throughlike many iterations, and even at that point you learn something new thatyou're like, Oh, maybe if I incorporate that. Yeah. But yeah, even, even thetraditional books, it's like, I, I don't, I don't know. How to function like arobot. So it's, it's kind of, it's difficult when there's so much stimulus kindof that, that is involved in day to day life.

Julian: But yeah. What's, youknow, if everything goes well what's the long term vision for Alinea?  

Eve: Ipo. Okay. That'sdefinitely on the roadmap. But yeah, I mean, for us on, on the product roadmapespecially, it's going to be around offering more impact data, offering moreways for people to invest in what they're in products they're using.

Eve: So creating this kindof monthly playlist for you based on where you're, you're spending That you canautomatically be investing in, in a recurring way. Creating more rewardsbetween shareholders and public companies and and yeah, and, and getting moreand more young people who thought they never were the investor type to, to getstarted.

Julian: Yeah. Incredible.Incredible. Well thank you so much. I, I'm so happy that you're able to answermy questions and, and it even more so gives me incentive to dive deeper intothe app. But I always like to ask this question for, for founders, not only formy own selfish research, but for others as well to kind of get in, get, getmore information.

Julian: But what books arepeople have influenced you?  

Eve: Yeah, so when I leftmy, my previous employer the CEO of Content Square, he gave me this book that Ihold dear to me and I, and I always have by my bedside. And it's kind of thestartup bible. And he, he talked about it constantly and he was like, Thishelped me through so many challenging times as an entrepreneur.

Eve: And it's The HardThing About Hard Things about Yeah, it's definitely one that a lot of people havehave mentioned, I'm sure. But it's it's incredibly real because it just talksabout how the highs are so high and the lows are so lows low.  

Julian: Yeah. Yeah. No, Idefinitely, I think I've heard that once or twice on the podcast.

Julian: And even more so now Ineed to, to get the book. But if, Oh, go ahead.

Eve: The other, the otherone I'll mention quickly is, Hooked.  

Julian: Hooked. What is that?What is that? ,  

Eve: It talks a bit aboutconsumer facing products and the rise of Twitter, Instagram, and so on, and howto build a great consumer app.  

Julian: Oh, incredible. I, I,another founder recommended the book Contagious to me. I don't, I don't know ifyou've read that before, but it's about building word of mouth. Yeah. You,you've read that one. . Yeah. Yeah, yeah. Is it, is it similar or is this onesounds like more consumer facing, which is It's, it's more product facing.

Julian: Interesting. Okay.I'll have to dive into, to both books and, and get further educated into kindof how to tackle the startup experience, But even Thank you so much for beingon the show. Last little bit, give us your plugs. I love to have founders giveme their LinkedIns or Twitter. Where can we support you?

Julian: Where can we supportthe product vision? Obviously I think where can we download the app? Is it onthe App store? Is it on Google Play? Give us all that information so we canfurther support the vision and the mission of the company.  

Eve: Yeah, we're only onthe app store currently, but you can find us typing in Alinea, a l i n e A.

Eve: We are really presenton TikTok through a nominee, my co-founder and I's account is our, our primaryaccount where we talk about product updates, our story, et cetera. We're alsoon Instagram @alineainvest, and yeah, those are our primary channel.  

Julian: Amazing. Thank you somuch. I hope you enjoyed your time on the show.

Julian: I'm really excited tonot only dive into the product, but also see where, where it goes in the newproduct updates. It sounds like you're working on some really cool featuresthat we're gonna, we're gonna use as a consumer to, to further our investmentkind of you know, process, portfolio, everything like that.

Julian: So again, thank you somuch for being on the show and I hope you enjoyed yourself.  

Eve: Of course. Thank youso much.

Other interesting podcasts