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  <title>
   YNAB
  </title>
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 <!------------------ ALSO, CHANGE BACKGROUND COLOR ----------------------------->
 <body bgcolor="#4495D7" class="body" style="display: block !important; min-width: 100% !important; width: 100% !important; -webkit-text-size-adjust: none; margin: 0; padding: 0;">
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   The end of the story for Jamie and Oscar
   <div style="display: none; max-height: 0px; overflow: hidden;">
    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
   </div>
  </div>
  <table bgcolor="#4495D7" border="0" cellpadding="0" cellspacing="0" width="100%">
   <!------------------------------------------------------------------------------>
   <tbody>
    <tr>
     <td align="center" valign="top">
      <table border="0" cellpadding="0" cellspacing="0" class="mobile-shell" width="600">
       <tbody>
        <tr>
         <td class="td" style="width: 600px; min-width: 600px; font-size: 0pt; line-height: 0pt; font-weight: normal; margin: 0; padding: 40px 0px;">
          <table border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td align="center" style="padding: 0px 50px 40px;">
              <!---------------------- CHANGE LOGO HERE ------------------->
              <a style="display: block; text-decoration: none; outline: none; color: #4495d7;">
               <img alt="YNAB" height="36" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5d8e5f617bdadd35ce8c5a91%252Foriginal.png%253F1569611617/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: block; -ms-interpolation-mode: bicubic;" width="142"/>
              </a>
              <!------------------------------------------------------------>
             </td>
            </tr>
           </tbody>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td align="center" style="">
              <!---------------------- CHANGE HERO IMAGE HERE ------------------->
              <img alt="Celebrate!" height="376" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5de8250bd518e15257afe52e%252Foriginal.jpg%253F1575494923/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: block; -ms-interpolation-mode: bicubic;" width="600"/>
              <!----------------------------------------------------------->
             </td>
            </tr>
           </tbody>
          </table>
          <!-- Main -->
          <!-- Header -->
          <!-- END Header -->
          <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td class="main" style="padding: 50px 50px 0px;">
              <table border="0" cellpadding="0" cellspacing="0" width="100%">
               <tbody>
                <!---------LARGE HEADLINE------------>
                <tr>
                 <td style="padding-bottom: 28px;">
                  <div align="left" class="text" style="color: #F3783C; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 28px; font-weight: bold; line-height: 32px;">
                   <span style="color: #F3783C;">
                    What You'll Learn Today:
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------SUB HEADLINE - NO BACKGROUND COLOR------------>
                <tr>
                 <td style="padding-bottom: 24px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-weight: bold; font-size: 22px; line-height: 28px;">
                   <strong>
                    <span class="mobText" style="color: #25384F;">
                     The End of the Story for Oscar and Jamie
                    </span>
                   </strong>
                  </div>
                 </td>
                </tr>
                <!-------------------------------------------------------->
                <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                <tr>
                 <td style="padding-bottom: 24px;">
                  <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <tr>
                     <!------------CHANGE BACKGROUND COLOR AND WIDTH TO FIT TEXT------------->
                     <td bgcolor="#FDBE2A" style="padding: 4px 16px;" width="120">
                      <!----------------------------------------------------------------------->
                      <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-weight: bold; font-size: 22px; line-height: 28px;">
                       <strong>
                        <span class="mobText" style="color: #25384F;">
                         Hey there,
                        </span>
                       </strong>
                      </div>
                     </td>
                     <td>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
                <!-------------------------------------------------------->
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Kelly again.
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Congratulations! You made it! You’ve been using YNAB for this long and we sure are proud of you. Maybe it didn’t go exactly as you planned. Maybe you had a few rough starts, or maybe everything just started to click.
                    <br/>
                    <br/>
                    Wherever you are, this is your moment. Ready to take total control of your finances for good?
                    <u>
                     <a style="text-decoration: none; color: #4495D7;">
                      Subscribe now
                     </a>
                    </u>
                    .
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Taking a step forward is an accomplishment no matter where you start. Financial transformations do not happen overnight. In fact most YNABers take three to four months to get a month ahead and that’s ok! Celebrate your wins, in whatever form they take.
                    <br/>
                    <br/>
                    And gaining total control of your money? That's definitely something to celebrate.
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------PARAGRAPH TEXT------------>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    <a style="color: #4495d7; text-decoration: underline;">
                     Hear the end of the story for Jamie and Oscar.
                    </a>
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                <!------------------------------------>
                <!----------------------------CLOSING SALUTATION---------------------->
                <tr>
                 <td style="padding-bottom: 20px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <br/>
                   <span class="mobText" style="color: #25384F;">
                    Happy budgeting,
                   </span>
                  </div>
                 </td>
                </tr>
                <!--------------------------------------------------------------------->
                <!----------------------------ACTUAL SIGNATURE---------------------->
                <tr>
                 <td style="padding-bottom: 4px;">
                  <div align="left" class="img" style="font-size: 0pt; line-height: 0pt;">
                   <a style="color: #4495d7; text-decoration: underline;" target="_blank">
                    <img alt="" border="0" height="71" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dded0e503bd871cbabc7d56%252Foriginal.jpg%253F1574883557/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="-ms-interpolation-mode: bicubic;" width="100"/>
                   </a>
                  </div>
                 </td>
                </tr>
                <!------------------------------------------------------------------>
                <!----------------------------SIGNATURE TEXT---------------------->
                <tr>
                 <td style="padding-bottom: 20px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    Teacher at YNAB
                   </span>
                  </div>
                 </td>
                </tr>
                <!---------------------------------------------------------------->
                <!----------------------------ROUND IMAGE OF YNABER - CHANGE OUT IMAGE SRC AND ALT TEXT---------------------->
                <tr>
                 <td align="left" style="padding-bottom: 30px;">
                  <div align="left" style="">
                   <img alt="Kelly from YNAB" class="mobSigImage" height="88" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dded0e5c556aa6b7a88d5a0%252Foriginal.jpg%253F1574883557/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: inline-block; -ms-interpolation-mode: bicubic;" width="88"/>
                   <br/>
                  </div>
                 </td>
                 <!---------PARAGRAPH TEXT  WITH LINK  JUST CHANGE THE HREF LINK------------>
                </tr>
                <tr>
                 <td style="padding-bottom: 30px;">
                  <div align="left" class="text" style="color: #25384F; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                   <span class="mobText" style="color: #25384F;">
                    P.S. Have you had any #ynabwins? Reply to this email and let us know about them. We’re cheering you on!
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
               </tbody>
              </table>
              <!-- END Content -->
             </td>
            </tr>
           </tbody>
          </table>
          <!-- END Main -->
          <!-- Footer -->
          <!-------------------------------------FOOTER------------------------------------------->
          <table bgcolor="#25384F" border="0" cellpadding="0" cellspacing="0" width="100%">
           <tbody>
            <tr>
             <td class="main" style="padding: 30px 50px 0px;">
              <!-- Content -->
              <table border="0" cellpadding="0" cellspacing="0" width="100%">
               <tbody>
                <tr>
                 <td style="padding-bottom: 20px;">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <tr>
                     <td align="center" width="109">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd8287c4c720359dd1ca122%252Foriginal.jpg%253F1574447228/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd8287c36e9d97ba220f7fd%252Foriginal.jpg%253F1574447228/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
                     <td align="center" style="" width="64">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="55" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5f32fe7a2b07493b5b292f9b%252Foriginal.jpg%253F1597177466/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1nDw1Z:FuZ4lRt2wdrRhZHmr78nwKx1vhmveuGyh9fKEQh9Wpg" style="display: block; -ms-interpolation-mode: bicubic;" width="64"/>
                      </a>
                     </td>
                     <td align="center" width="9">
                     </td>
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