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   Daily 2026-01-30
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                     WHAT'S
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                       All metrics are as of the latest market close.
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               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <table border="0" cellpadding="0" cellspacing="0" style="color:#000000;font-family:Inter,sans-serif;font-size:13px;line-height:22px;table-layout:auto;width:100%;border:none;" width="100%">
                       <tbody>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          S&amp;P 500
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.17% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          6,966
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          GOLD
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          2.29% ▲
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $5,425
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          BITCOIN*
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          5.55% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $84,218
                         </td>
                        </tr>
                        <tr>
                         <td colspan="3" style="font-size:10px;font-family:Trispace,monospace;color:#7F879C;padding:0">
                          *24-hour change
                         </td>
                        </tr>
                       </tbody>
                      </table>
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                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          FTSE 100
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.17% ▲
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          10,172
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          BRENT OIL
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          1.43% ▲
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $69.38
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          US BONDS*
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.02% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          4.24%
                         </td>
                        </tr>
                        <tr>
                         <td colspan="3" style="font-size:10px;font-family:Trispace,monospace;color:#7F879C;padding:0">
                          *10-year government yield
                         </td>
                        </tr>
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                 <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:700;line-height:1.5;text-align:left;color:#181c25;">
                  WALL STREET FEAR GAUGE INDEX 
(
                  <a style="font-weight:400;font-family:Trispace,monospace">
                   VIX
                  </a>
                  )
                 </div>
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                     <img alt="Wall Street Fear Gauge Index" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fimages.bannerbear.com%252Fdirect%252F7Q4rjJzQn7vZo8qPOx%252Frequests%252F000%252F127%252F991%252F384%252F5R7NlW8nEzjxeEq1QmvbxgLyP%252Fe77dc3c409acfbd622c54ce4e72ea7cce327157e.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D5c682ed77188290885b34c66fb0bb2bc/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3Njk3NzQ5NzUuNzUwMTkzNH0:1vlnJf:bxo3aMBmGwtBEiEH8kLhn8Mc79k0HQJn5A3bpTR0B_M" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="536"/>
                    </td>
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                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="10zqs">
                        💥 Apple fared better than expected, but it still needs a helping hand from Google's AI labs
                       </p>
                       <p data-block-key="8oqba">
                        💰 OpenAI and
Anthropic are raising fresh billions – and spending them at record speed
                       </p>
                       <p data-block-key="4su3p">
                        ➕ Japan’s bond market just shattered its own chill
                       </p>
                       <p data-block-key="aihf6">
                        <b>
                         👇 Keep reading to find out more
                        </b>
                       </p>
                      </div>
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                     👀
                    </span>
                    <span style="font-style:italic">
                     Today's headlines
                    </span>
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                    <span style="background-color:#EFFF0D;display:inline">
                     For-Bidding Fruit
                    </span>
                   </mj-raw>
                  </div>
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                      <a target="_blank">
                       <img alt="For-Bidding Fruit" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3-eu-west-1.amazonaws.com%252Fstatic%252Fimages%252FEditorial-290126-AppleGemini.original.png%253Ffit%253Dcrop%2526h%253D600%2526ixlib%253Dpython-3.1.2%2526w%253D1200%2526s%253D0a55c0fa98fb1949019b351113d767e0/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3Njk3NzQ5NzUuNzUwMzIzOH0:1vlnJf:SGxR_e76wNHjTX_HBPX0L9WcYYeoITrmLlCNI2vLnYc" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
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                   <p data-block-key="cu2a4">
                    <b>
                     What’s going on here?
                    </b>
                   </p>
                   <p data-block-key="7os">
                    <b>
                     Apple
                    </b>
                    did better than expected last quarter – but it's still buying juice from its biggest rival, paying
                    <b>
                     Google
                    </b>
                    roughly $1 billion a year to power its new AI features.
                   </p>
                   <p data-block-key="95kab">
                    <b>
                     What does this mean?
                    </b>
                   </p>
                   <p data-block-key="cisgq">
                    Apple secured 16% more revenue last quarter than the same time a year back – beating analysts’ expectations. The firm’s profit margins were also beefier than forecast, signaling solid pricing power (the ability to keep its wares, well, expensive) and control over its costs.
                   </p>
                   <p data-block-key="bj90">
                    ▶ The iPhone came in clutch. Sales grew 23% on the same time the year before – comfortably beating
forecasts – as buyers (especially in China) rushed to grab the latest model.
                   </p>
                   <p data-block-key="eigpo">
                    ▶ And more iPhones mean more sticky customers in the Apple ecosystem. The firm’s expanding active user base feeds its lucrative services division – which grew at a double-digit pace, right on cue.
                   </p>
                   <p data-block-key="ce8iu">
                    ⚠️ Investors are still cautious, though. For one, they’re unsure about Apple’s AI strategy – and whether it can keep iPhone sales up in a more
competitive smartphone landscape. And for another, they’re wary about certain future costs. See, Apple’s memory chip suppliers are pivoting away from smartphones and toward higher-margin hardware, which is tightening their supply and more than doubling the prices of some components.
                   </p>
                   <p data-block-key="5qth0">
                    <b>
                     Why should I care?
                    </b>
                   </p>
                   <p data-block-key="aa7mh">
                    <b>
                     <i>
                      For markets:
                     </i>
                    </b>
                    <i>
                     The Apple vs. Android debate is done.
                    </i>
                   </p>
                   <p data-block-key="5760r">
                    Apple was slow to adapt to the
whole “AI upgrade” thing last year – but now the tech is becoming table stakes, it needs to catch up fast. So rather than building its own AI system from scratch, Apple’s taking a shortcut: Google will power Apple's new AI features (including Siri) for roughly $1 billion a year.
                   </p>
                   <p data-block-key="4jttj">
                    ⚠️ That could be a risky play. See, the iPhone's entire pitch against Android rests on differentiation – and now, they’ll both run on the same underlying intelligence layer.
                   </p>
                  </div>
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                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;color:#000000;">
                   You might also like ⇢
                   <a>
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                     Why A Selloff In Japan’s Zen-Like Bond Market Is Rattling
Global Investors
                    </span>
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                   <p data-block-key="pr7ai">
                    <a>
                     Japan’s bond market
                    </a>
                    doesn’t usually do drama.
                   </p>
                   <p data-block-key="c048l">
                    For decades, it’s been the financial world’s
                    <a>
                     picture of calm
                    </a>
                    : low yields, sleepy trading, and prices that barely budged.
                   </p>
                   <p data-block-key="9dahn">
                    So the
                    <a>
                     recent chaos
                    </a>
                    – violent price swings, record-high yields, and traders scrambling for the exits – has rattled investors far beyond Tokyo.
                   </p>
                   <p data-block-key="3v8d4">
                    What began as an isolated bond-market wobble is quickly turning into a
                    <a>
                     global stress test
                    </a>
                    for governments, central banks, and portfolios everywhere.
                   </p>
                   <p data-block-key="1ff7b">
                    That’s today's Insight:
                    <a>
                     why a selloff in Japan’s Zen-like bond market has the world on edge
                    </a>
                    .
                   </p>
                   <p data-block-key="m5be">
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                     <b>
                      Read or listen to the Insight here
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                     Motherlode
                    </span>
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                   <p data-block-key="nfz9a">
                    <b>
                     What’s going on here?
                    </b>
                   </p>
                   <p data-block-key="1qi2u">
                    OpenAI and Anthropic are running tech's infinite money hack: raising fresh billions from the likes of
                    <b>
                     Nvidia
                    </b>
                    ,
                    <b>
                     Microsoft
                    </b>
                    , and
                    <b>
                     Amazon
                    </b>
                    – then sending the cash straight
back to them.
                   </p>
                   <p data-block-key="28jo3">
                    <b>
                     What does this mean?
                    </b>
                   </p>
                   <p data-block-key="5q31p">
                    ▶ OpenAI is hoping to raise up to $100 billion at a valuation near $750 billion – which would be one of the biggest private funding rounds
                    <i>
                     ever
                    </i>
                    . Besides some state-owned funds, checks are expected to come from familiar names like Nvidia, Microsoft, and Amazon – the very same companies that supply ChatGPT’s creator with chips and cloud computing.
                   </p>
                   <p data-block-key="d7mol">
                    ▶ Meanwhile,
Anthropic – OpenAI’s closest rival – just upped its most recent funding round,
                    <i>
                     doubling
                    </i>
                    the amount it was seeking from $10 to $20 billion (at a roughly $350 billion valuation). When the round closed on Tuesday, the figure landed somewhere in between – but it could still grow if the likes of Microsoft and Nvidia get involved.
                   </p>
                   <p data-block-key="26c25">
                    <b>
                     Why should I care?
                    </b>
                   </p>
                   <p data-block-key="4l7hf">
                    <b>
                     <i>
                      Zooming in:
                     </i>
                    </b>
                    <i>
                     You scratch my back…
                    </i>
                   </p>
                   <p data-block-key="9310c">
                    All this fundraising is a prime example of the “infinite money loop”. First, OpenAI and Anthropic raise cash from firms that offer computing power. Then, they spend much of that cash buying yep – you guessed it – computing power from those exact firms, sending the cash straight back where it came from. And of course, if any one of those companies pulls back, that could easily send the whole sector into a tailspin.
                   </p>
                   <p data-block-key="8are7">
                    <b>
                     <i>
                      For markets:
                     </i>
                    </b>
                    <i>
                     You need to spend money to (maybe) make money.
                    </i>
                   </p>
                   <p data-block-key="a2lpl">
                    It’s expensive to compete in AI: firms need mountains of cash to cover electricity, chips, and data center space – long before they make any serious profit.
                   </p>
                   <p data-block-key="bpp45">
                    ▶ That’s one reason why OpenAI and Anthropic are still raising privately: if they listed on public markets, every quarterly earnings call would turn into a grilling about when the losses might stop. Private backers, though, are
typically more strategic investors with deeper pockets and longer time horizons. They’ll tolerate years of heavy spending if it helps secure a big payoff down the line.
                   </p>
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                     Chart
Of The Day
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                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   😬
                   <a>
                    Big Tech Earnings Split Wall Street On AI Spending
                   </a>
                  </div>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#5E6984;">
                   Microsoft’s cloud miss weighed on the Nasdaq, while Meta’s higher capex and strong forecasts kept investors focused on whether pricey AI plans will pay off.
                  </div>
                 </td>
                </tr>
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
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                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     🖋️
                    </span>
                    <span style="font-style:italic">
                     Quote
of the day
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
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          <tbody>
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
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                 <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   <strong>
                    "The happiest people seem to be those who have no particular cause for being happy except that they are so."
                   </strong>
                   – William Inge (an American
playwright and novelist)
                  </div>
                 </td>
                </tr>
               </tbody>
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     <tbody>
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       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-left:16px;padding-right:16px;padding-top:0;text-align:center;">
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<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="border-top:2px solid #204CE9;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     🎯
                    </span>
                    <span style="font-style:italic">
                     On Our
Radar
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
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<![endif]-->
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        <!--[if mso | IE]>
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</td></tr><tr><td class="" width="600px">
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<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:32px;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="aaghi">
                        1.
                        <b>
                         That’s an expensive hobby.
                        </b>
                        Meta spent nearly
                        <a>
                         $20 billion on VR last year.
                        </a>
                       </p>
                       <p data-block-key="3uj7i">
                        2.
                        <b>
                         Not even snow is sacred anymore.
                        </b>
                        Kids are
                        <a>
                         losing their snow days
                        </a>
                        .
                       </p>
                       <p data-block-key="c13rv">
                        3.
                        <b>
                         Time to stretch your stomach.
                        </b>
                        Here’s
                        <a>
                         everywhere you need to eat in 2026
                        </a>
                        .
                       </p>
                      </div>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
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<![endif]-->
            </td>
           </tr>
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</td></tr></table>
<![endif]-->
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      </tr>
     </tbody>
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   </div>
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<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
   <div style="margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-left:16px;padding-right:16px;padding-top:0;text-align:center;">
        <!--[if mso | IE]>
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<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
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             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     🎙️
                    </span>
                    <span style="font-style:italic">
                     Finimize Live
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
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<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
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            <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:32px;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="xqyo5">
                        📉 Bitcoin's been on the slide – so if you're trying to decide whether cheaper prices could be your "buy" signal, join Chris Bendiksen
(bitcoin research lead at CoinShares) for
                        <a>
                         Crypto In A Modern Portfolio
                        </a>
                        . After all, he's spent years making sense of crypto volatility.
                        <a>
                         Grab your free ticket
                        </a>
                       </p>
                      </div>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
               </tbody>
              </table>
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<![endif]-->
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</td></tr></table>
<![endif]-->
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<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
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        <!--[if mso | IE]>
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
          <tbody>
           <tr>
            <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
             <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
              Stay classy,
              <mj-raw>
               Sarah
              </mj-raw>
              😉 This issue of the Daily Brief was curated by
              <a style="color:inherit;font-weight:inherit">
               Naomi
              </a>
              and
              <a style="color:inherit;font-weight:inherit">
               Theodora
              </a>
              . Got an idea? A question?
              <a>
               Get in touch
              </a>
              .
             </div>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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<![endif]-->
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<![endif]-->
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    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
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       <td style="direction:ltr;font-size:0px;padding:0 16px;text-align:center;">
        <!--[if mso | IE]>
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          <tbody>
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             <!--[if mso | IE]>
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<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     💌
                    </span>
                    <span style="font-style:italic">
                     THAT
WAS GREAT FOR US... HOW WAS IT FOR YOU?
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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<![endif]-->
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<![endif]-->
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