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    …and Meta’s metaverse still doesn’t have legs (nor do its avatars)
   </div>
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                    <img class="light" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.robinhood.com%252Fmarketsnacks_assets%252Fv2%252Frhlogo.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4ucm9iaW5obyJ9:1okP9R:dc_d0gK_j57r7Fk7mr3kWhZwh5wwjd4l3LHjsjVLCLo" srcset="https://cdn.robinhood.com/marketsnacks_assets/v2/rhlogo.png, https://cdn.robinhood.com/marketsnacks_assets/v2/rhlogo@2x.png 2x" width="23"/>
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                     Disclosures
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              </a>
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                 <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
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                  <p>
                   A social safety net on the edge (C.J. Burton/Getty Images)
                  </p>
                 </div>
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   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
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       <td style="direction:ltr;font-size:0px;padding:0 10px;text-align:center;">
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          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:1;text-align:center;color:#000000;">
                  Last Week’s Market Moves
                 </div>
                </td>
               </tr>
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                <td style="font-size:0px;word-break:break-word;">
                 <div style="height:20px;line-height:20px;">
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" class="desktop marketIndices" style="font-size:0px;padding:0;word-break:break-word;">
                 <table border="0" cellpadding="0" cellspacing="0" style="color:#000000;font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:22px;table-layout:auto;width:100%;border:none;" width="100%">
                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Dow Jones
                     <br/>
                     <span style="font-weight: 700;">
                      29,635
                      <span style="color: rgb(0, 200, 5);">
                       (+1.15%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     S&amp;P 500
                     <br/>
                     <span style="font-weight: 700;">
                      3,583
                      <span style="color: rgb(255, 80, 0);">
                       (-1.55%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Nasdaq
                     <br/>
                     <span style="font-weight: 700;">
                      10,321
                      <span style="color: rgb(255, 80, 0);">
                       (-3.11%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Bitcoin
                     <br/>
                     <span style="font-weight: 700;">
                      $19,114
                      <span style="color: rgb(255, 80, 0);">
                       (-2.14%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
               <!--[if !mso]><!-->
               <tr>
                <td align="left" class="mobile marketIndices" style="font-size:0px;padding:0;word-break:break-word;">
                 <table border="0" cellpadding="0" cellspacing="0" style="color:#000000;font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:22px;table-layout:auto;width:100%;border:none;" width="100%">
                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Dow Jones
                     <br/>
                     <span style="font-weight: 700;">
                      29,635
                      <span style="color: rgb(0, 200, 5);">
                       (+1.15%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     S&amp;P 500
                     <br/>
                     <span style="font-weight: 700;">
                      3,583
                      <span style="color: rgb(255, 80, 0);">
                       (-1.55%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Nasdaq
                     <br/>
                     <span style="font-weight: 700;">
                      10,321
                      <span style="color: rgb(255, 80, 0);">
                       (-3.11%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Bitcoin
                     <br/>
                     <span style="font-weight: 700;">
                      $19,114
                      <span style="color: rgb(255, 80, 0);">
                       (-2.14%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
               <!--<![endif]-->
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        <!--[if mso | IE]></td></tr></table><![endif]-->
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   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
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       <td style="direction:ltr;font-size:0px;padding:27px 10px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    Hey Snackers,
                   </strong>
                  </p>
                  <p>
                   Forget Paris Fashion Week: America’s
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    next top mullet
                   </a>
                   will soon be crowned after the “Mane Event” of the USA Mullet Championship. This isn’t the one that Tyra Banks was
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    rooting for
                   </a>
                   .
                  </p>
                  <p>
                   The S&amp;P 500 closed down 1.5% after a turbulent week that featured growing recession fears and bummer inflation data (still too high). The VIX (aka: Wall Street’s “fear gauge”) spiked to over 32, signaling higher volatility expectations.
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <strong>
                   Btw...
                  </strong>
                  Do you want to start getting Snacks daily? Or prefer to unsubscribe? Manage your subscription preferences
                  <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                   here
                  </a>
                  .
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
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   <img alt="" border="0" height="1" src="https://inboxflows.com/_/image/https%253A%252F%252Fsg.robinhood.com%252Fwf%252Fopen%253Fupn%253Dq-2FZ-2F8R4uR3lRXK3PO4ZkVk-2BZt1SqpCIyBv-2FIozTjk2VNN3eQssMFJBT95MovldJRS-2BuMjXfQOcOPBkpeLG-2BHl-2F5Mzyk71Y1xLg44-2F80uqV3IoAhFnKCGT4aLirZSgvc9CzLrN2yn4o-2FcZCAWI5r0fz5TaRfhe2eM5DTXIgNczv-2FcYn3rENmoauNxhepdgbiPWT-2FoHFqHdkIFDoAyW-2FWEvk4RIMGw21MXVB2ZV8HWhLnDnH-2FFS2V-2BSMjXtYc5Vvs9Rz2SN00MDeDPYz4KrLiXd55clxB4b9gzJyLBRJcSsj-2BwHLqAbHNl0xSoTN-2F3WhWV9A1gTNJCTpWUR7wws6BBzs4Wn3qWn4LhhJt-2BYiHiAyPm1W8DVCvHBTjGJycEW05hPGJL5562ThLlc2E5P5ZS87FWORBmNAv9X4wa1ac7ATPQxjed1tn7KISG4Mymyn7JWE5E53ZZaX480523PsS5auwi8MmNVcgIa6FNkBNnf3X9rVBWmW6-2BBgFU72f4as3FhxlOuTnt0r7Ry4Lzlw5muETUOmkAGdxvq81RwTa7OImBi3M1czDjxALSoiyNNlp2pfrL97kk8vDY5gNiD0he7A-3D-3D/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzZy5yb2JpbmhvbyJ9:1okP9R:MzZPkWa__QSUHLIJHvs6H-QNV-q893-p6IYVXxQXQRk" style="height:1px !important;width:1px !important;border-width:0 !important;margin-top:0 !important;margin-bottom:0 !important;margin-right:0 !important;margin-left:0 !important;padding-top:0 !important;padding-bottom:0 !important;padding-right:0 !important;padding-left:0 !important;" width="1"/>
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                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:15px;text-align:left;color:#000000;">
                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   Boca
                  </div>
                 </div>
                </td>
               </tr>
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            </td>
           </tr>
          </tbody>
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        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
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   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
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       <td style="direction:ltr;font-size:0px;padding:0 10px 20px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook article-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   Social Security benefits are getting the biggest bump in 4 decades, but it could cost today’s workers
                  </p>
                 </div>
                </td>
               </tr>
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                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    Break out the boozy bingo…
                   </strong>
                   Retirees are getting the biggest boost to their Social Security benefits
                   <em>
                    in over four decades
                   </em>
                   . Starting in January, all Social Security recipients will get a record
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    8.7%
                   </a>
                   bump, bringing the monthly payouts to just over $1.8K. Every year the US government adjusts Social Security benefits to keep up with the cost of living (see:
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    COLA
                   </a>
                   ). Despite a nearly 6% increase in COLA benefits this year, the payout hasn't kept up with inflation.
                  </p>
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Nearly 70M Americans receive SS benefits,
                    </strong>
                    and nearly a quarter of recipients 65+ rely on those checks for most of their income.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Since 1937 nearly every American worker
                    </strong>
                    (and their employer) has been required to pay Social Security taxes (taken from every paycheck).
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     The current tax rate
                    </strong>
                    for people making under $147K is 6%. TBD if that’ll eventually rise because of the bump. Starting next year, the max amount of earnings subject to SS tax will increase to $160K from $147K.
                   </li>
                  </ul>
                  <p>
                   <strong>
                    Goodbye, Boca timeshare…
                   </strong>
                   The extra cash should be a welcome relief to inflation-strained retirees, since Americans are burning through their savings. Last year, the cost of one of Medicare's most popular coverage plans went up 14.5% to $170/month. Since most older adults opt to have those costs deducted from their SS checks, it leaves them with less $$. Meanwhile, nearly $3T has been wiped from Americans' retirement accounts (think: 401(k)s, Roth IRAs) as stocks have tumbled this year.
                  </p>
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                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:700;letter-spacing:0.5px;line-height:0;text-align:left;color:#000000;">
                  <table>
                   <tbody>
                    <tr>
                     <td style="padding: 0 8px 0 0; height: 17px;">
                      <img height="17px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.robinhood.com%252Fmarketsnacks_assets%252Fv2%252Ftakeaway-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4ucm9iaW5obyJ9:1okP9R:dc_d0gK_j57r7Fk7mr3kWhZwh5wwjd4l3LHjsjVLCLo" width="17px"/>
                     </td>
                     <td style="font-weight: 700; width: 100%; padding: 0; height: 17px; line-height: 0; padding-top: 1px;">
                      THE TAKEAWAY
                     </td>
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                  </table>
                 </div>
                </td>
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                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    Not all benefits are created equal…
                   </strong>
                   While a bigger check is a win for retirees, it could come at the expense of current workers and future retirees. Gen Zers are starting to
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    save
                   </a>
                   for retirement earlier than previous generations, and they have good reason to: the Social Security Trust Fund (which pays out retiree benefits) is projected to run dry in 2034, leaving enough money to cover only 77% of scheduled benefits.
                  </p>
                 </div>
                </td>
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                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
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        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
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                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   Events
                  </div>
                 </div>
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   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
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     <tbody>
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       <td style="direction:ltr;font-size:0px;padding:0 10px 20px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook article-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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            <td style="vertical-align:top;padding:0;">
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                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   Coming up this week...
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    All eyes on
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Netflix
                    </a>
                    …
                   </strong>
                   but everyone’s bingeing Tuesday’s earnings, not “Dahmer.” After losing 1M+ subscribers over the past two quarters, Netflix
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    plans
                   </a>
                   to launch a $7/month ad-supported tier next month to revive growth — just weeks before
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Disney+
                    </a>
                   </strong>
                   plans to launch its own cheaper tier. The commercials, which should average four to five minutes per hour, will cost advertisers big $$ and run on
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Microsoft
                    </a>
                   </strong>
                   tech. Meanwhile, Netflix’s $20B of original-content spending this year could cut into earnings: it expects profits to dip 34% this quarter from last year.
                  </p>
                  <p>
                   <strong>
                    All charged up…
                   </strong>
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Tesla
                    </a>
                   </strong>
                   was on a roll last quarter. The EV icon delivered a record 343K vehicles (up 45% from last year) and analysts say it'll likely
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    report
                   </a>
                   $22B+ in third-quarter revenue on Wednesday (which would be up 63%). The accelerators: Tesla hiked prices on all models last quarter, upped production at its Berlin factory, and is ramping up in Shanghai. The speed bump: the record deliveries were
                   <em>
                    below
                   </em>
                   expectations, and there’s a chance Elon’s baby won’t meet its annual target because of logistical snags and high delivery costs.
                  </p>
                 </div>
                </td>
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                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
</td></tr></table><![endif]-->
                </td>
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            </td>
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          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
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       <td style="direction:ltr;font-size:0px;padding:0 10px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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            <td style="vertical-align:top;padding:0;">
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                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:15px;text-align:left;color:#000000;">
                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   Zoom Out
                  </div>
                 </div>
                </td>
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              </tbody>
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            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
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     </tbody>
    </table>
   </div>
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    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
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       <td style="direction:ltr;font-size:0px;padding:0 10px 20px;text-align:center;">
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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            <td style="vertical-align:top;padding:0;">
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                <td align="left" class="type-no-paragraph-margins" style="font-size:0px;padding:0;padding-top:24px;padding-bottom:12px;word-break:break-word;">
                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   Stories we’re watching...
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The metaverse doesn’t have legs…
                   </strong>
                   literally.
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Meta
                    </a>
                   </strong>
                   has spent $15B+ on its metaverse, but Horizon Worlds had only about 300K users as of February, and its avatars
                   <em>
                    still
                   </em>
                   don’t have legs. Last week Meta dropped a leg
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    teaser
                   </a>
                   — but admitted it was made using motion capture (read: fake digi-legs). Meta also launched a $1.5K VR headset and a Microsoft remote-work partnership (think: metaverse Excel). But meta-investments are expected to lose $$ for years. Meta’s cutting staff as growth slows (a first), and shares are down 60%+ this year. Zuck put it best: “Legs are hard.”
                  </p>
                  <p>
                   <strong>
                    The gig is up…
                   </strong>
                   On Tuesday the US Labor Department
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    announced
                   </a>
                   a proposal that could classify millions of gig workers (think: delivery drivers, janitors, and home-care aides) as employees rather than independent contractors. The final rule is expected next year and would likely boost gig workers’ pay and benefits, while hurting the gig-dependent biz models of companies like
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Uber
                    </a>
                   </strong>
                   ,
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Lyft
                    </a>
                   </strong>
                   , and
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     DoorDash
                    </a>
                   </strong>
                   . And unlike California’s AB5 bill, this rule would have consequences nationwide.
                  </p>
                 </div>
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                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   ICYMI
                  </div>
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                  <p>
                   Last week's highlights...
                  </p>
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                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Spicy
                     </a>
                     :
                    </strong>
                    September inflation was up a hotter-than-expected 8.2% from last year as consumers kept spending through price hikes. That dashed hopes that the Fed might soon simmer down with its aggro rate hikes.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      TikShock
                     </a>
                     :
                    </strong>
                    A BBC investigation found that
                    <strong>
                     TikTok
                    </strong>
                    has been profiting from charitable live streams, reportedly pocketing up to 70% of donations to displaced families in Syria. TikTok is no stranger to accusations of sketchy practices.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Ricall
                     </a>
                     :
                    </strong>
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Amazon
                     </a>
                    </strong>
                    -backed electric-truck maker
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Rivian
                     </a>
                    </strong>
                    said it was recalling 12K cars (nearly all the EVs it’s ever built) over safety concerns. While the recall isn’t likely to dent Rivian’s coffers, it’s hurting its nascent rep.
                   </li>
                  </ul>
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                 </p>
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                  What else we're Snackin'
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                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Yeikes
                     </a>
                     :
                    </strong>
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Adidas
                     </a>
                    </strong>
                    is reviewing its partnership with Kanye West’s Yeezy brand after he went on an antisemitic
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Twitter
                     </a>
                    </strong>
                    rant and wore a “White Lives Matter” shirt. Yeezy generates 10% of Adidas' annual revenue.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      NEOM
                     </a>
                     :
                    </strong>
                    Saudi Arabia sentenced three indigenous men to death for refusing to leave their homes to make way for Crown Prince Mohammed bin Salman’s $500B NEOM project, which aims to be a futuristic zero-carbon city.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Blocked
                     </a>
                     :
                    </strong>
                    Despite the NFL’s end-zone pledge to “End Racism,” Black coaches have been systemically blocked from head-coaching positions. Nearly 60% of NFL players are Black, but just 9% of head coaches are.
                   </li>
                  </ul>
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                    No inflation vacation
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                   • Oct 14, 2022
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                    TikTok's digital gift grab
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                   • Oct 13, 2022
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                    The big gig shakeup
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                   • Oct 12, 2022
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                  On average, Americans spent $67K last year, up 9% from 2020
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                   Read more
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                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  This Week
                 </div>
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                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Monday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Bank of America
                    </strong>
                    ,
                    <strong>
                     Charles Schwab
                    </strong>
                    , and
                    <strong>
                     BNY Mellon
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Tuesday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Johnson &amp; Johnson
                    </strong>
                    ,
                    <strong>
                     Lockheed Martin
                    </strong>
                    ,
                    <strong>
                     Netflix
                    </strong>
                    , and
                    <strong>
                     JB Hunt
                    </strong>
                    ,
                    <strong>
                     United Airlines
                    </strong>
                    ,
                    <strong>
                     Albertsons
                    </strong>
                    ,
                    <strong>
                     Hasbro
                    </strong>
                    , and
                    <strong>
                     Goldman Sachs
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Wednesday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Tesla
                    </strong>
                    ,
                    <strong>
                     Procter &amp; Gamble
                    </strong>
                    ,
                    <strong>
                     Abbott Labs
                    </strong>
                    ,
                    <strong>
                     IBM
                    </strong>
                    ,
                    <strong>
                     Prologis
                    </strong>
                    ,
                    <strong>
                     Equifax
                    </strong>
                    , and
                    <strong>
                     Las Vegas Sands
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Thursday:
                    </strong>
                    Jobless claims. Earnings expected from
                    <strong>
                     Snap
                    </strong>
                    ,
                    <strong>
                     American Airlines
                    </strong>
                    ,
                    <strong>
                     Alaska Air
                    </strong>
                    ,
                    <strong>
                     Union Pacific
                    </strong>
                    ,
                    <strong>
                     Boston Beer Company
                    </strong>
                    ,
                    <strong>
                     AT&amp;T
                    </strong>
                    , and
                    <strong>
                     Nokia
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Friday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Verizon
                    </strong>
                    and
                    <strong>
                     American Express
                    </strong>
                   </li>
                  </ul>
                  <p>
                   Authors of this Snacks own: shares of Amazon, Tesla, Netflix, Snap, AT&amp;T, Disney, Uber, Boston Beer, Twitter, and Microsoft
                  </p>
                  <p>
                   ID: 2507897
                  </p>
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                 </p>
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