We use AI to make our app easier to use and safer to use. For example, we take information you provide about yourself, our assessment of your risk appetite, and combine it with a constantly improving algorithm to determine the best possible recommendations for you that maximizes return, and is constantly optimized every week! The intelligence behind this is based on an algorithm that is constantly learning about the most effective portfolio recommendations it can make - this is an example of the AI we’ve used across Appreciate.  We also use AI/ML to monitor for risk in transactions, AI/ML powers our onboarding process and we are increasingly exploring ways to use bots and AI-enabled services to provide you a more convenient and compelling user experience.