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   YNAB
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 <!------------------ ALSO, CHANGE BACKGROUND COLOR ----------------------------->
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   Plus more YNAB success stories
   <div style="display: none; max-height: 0px; overflow: hidden;">
    ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌
   </div>
  </div>
  <table bgcolor="#CEDD3E" border="0" cellpadding="0" cellspacing="0" width="100%">
   <!------------------------------------------------------------------------------>
   <tbody>
    <tr>
     <td align="center" valign="top">
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       <tbody>
        <tr>
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          <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" 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="Welcome!" height="376" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5ddeb0937bdadd6a7ef3a350%252Foriginal.jpg%253F1574875283/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" 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: #9569B8; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 28px; font-weight: bold; line-height: 32px;">
                   <span style="color: #9569B8;">
                    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;">
                     Budgeting Can Change Your Life for the Better
                    </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="#c5a7d4" 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;">
                    YNAB wins come in all shapes and sizes—here are a few of our recent favorites:
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!-------------------------------CHECKMARK BULLET POINTS ------------------->
                <tr>
                 <td style="padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" width="100%">
                   <tbody>
                    <!------------------------SINGLE ROW - ADD MORE ROWS FOR OTHER BULLET POINTS-------------------------->
                    <tr>
                     <!----------------LEFT OUTER GUTTER - EVERYTHING NEEDS TO ADD UP TO 500 ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!---------------------------------------------------------------------------------------->
                     <!----------------CHECK MARK ----------------------->
                     <td align="left" style="" valign="top" width="48">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="47" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd849acd21f792cf9df5ceb%252Foriginal.jpg%253F1574455724/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" style="display: block; -ms-interpolation-mode: bicubic;" width="48"/>
                      </a>
                     </td>
                     <!------------------------------------------------>
                     <!----------------LEFT MIDDLE GUTTER ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!------------------------------------------------>
                     <!----------------TEXT AREA ----------------------->
                     <td style="padding: 2px 0 30px;" valign="top" width="430">
                      <div align="left" class="text" style="color: #F3783C; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                       <span class="mobText" style="color: #F3783C;">
                        “Money has always been hard for me. But I look at the $2500 I’ve paid off and I’m so freaking proud.” -Caroline
                       </span>
                      </div>
                     </td>
                     <!------------------------------------------------>
                    </tr>
                    <!-------------------------END ROW----------------------------->
                    <!------------------------SINGLE ROW - ADD MORE ROWS FOR OTHER BULLET POINTS-------------------------->
                    <tr>
                     <!----------------LEFT OUTER GUTTER - EVERYTHING NEEDS TO ADD UP TO 500 ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!---------------------------------------------------------------------------------------->
                     <!----------------CHECK MARK ----------------------->
                     <td align="left" style="" valign="top" width="48">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="47" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd849acd21f792cf9df5ceb%252Foriginal.jpg%253F1574455724/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" style="display: block; -ms-interpolation-mode: bicubic;" width="48"/>
                      </a>
                     </td>
                     <!------------------------------------------------>
                     <!----------------LEFT MIDDLE GUTTER ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!------------------------------------------------>
                     <!----------------TEXT AREA ----------------------->
                     <td style="padding: 2px 0 30px;" valign="top" width="430">
                      <div align="left" class="text" style="color: #4495D7; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                       <span class="mobText" style="color: #4495D7;">
                        “This is the first Christmas I won’t go into debt to buy presents.” - Darcy
                       </span>
                      </div>
                     </td>
                     <!------------------------------------------------>
                    </tr>
                    <!-------------------------END ROW----------------------------->
                    <!------------------------SINGLE ROW - ADD MORE ROWS FOR OTHER BULLET POINTS-------------------------->
                    <tr>
                     <!----------------LEFT OUTER GUTTER - EVERYTHING NEEDS TO ADD UP TO 500 ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!---------------------------------------------------------------------------------------->
                     <!----------------CHECK MARK ----------------------->
                     <td align="left" style="" valign="top" width="48">
                      <a style="display: inline-block; text-decoration: none; outline: none; color: #4495d7;">
                       <img height="47" src="https://inboxflows.com/_/image/https%253A%252F%252Fappboy-images.com%252Fappboy%252Fcommunication%252Fassets%252Fimage_assets%252Fimages%252F5dd849acd21f792cf9df5ceb%252Foriginal.jpg%253F1574455724/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" style="display: block; -ms-interpolation-mode: bicubic;" width="48"/>
                      </a>
                     </td>
                     <!------------------------------------------------>
                     <!----------------LEFT MIDDLE GUTTER ----------------------->
                     <td align="center" width="11">
                     </td>
                     <!------------------------------------------------>
                     <!----------------TEXT AREA ----------------------->
                     <td style="padding: 2px 0 30px;" valign="top" width="430">
                      <div align="left" class="text" style="color: #ABB833; font-family: 'Lato', Helvetica, Arial,sans-serif; font-size: 16px; line-height: 24px;">
                       <span class="mobText" style="color: #ABB833;">
                        “YNAB is what enabled me to get out of debt and a bad credit rating. My money worries have all but vanished.” - Debbie
                       </span>
                      </div>
                     </td>
                     <!------------------------------------------------>
                    </tr>
                    <!-------------------------END ROW----------------------------->
                   </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;">
                    As you continue following the four rules and tracking your spending, you will start to feel the stress of your finances lift away. You’ll soon have your own YNAB wins (or maybe you have some already).
                   </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;">
                    <br/>
                    <a style="color: #4495d7; text-decoration: underline;">
                     Let's look at some big wins Jamie and Oscar had in their first month (just the first month!) of YNAB.
                    </a>
                   </span>
                  </div>
                 </td>
                </tr>
                <tr>
                 <!------------------------------------>
                 <!---------SUB HEADLINE - WITH BACKGROUND COLOR------------>
                 <!------------------------------------------------------------------>
                 <!---------PARAGRAPH TEXT------------>
                </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;">
                    All these wins (both big and small) play a part in taking control of your finances. How will you celebrate your YNAB wins? In my opinion, ice cream is always a good option. :)
                   </span>
                  </div>
                 </td>
                </tr>
                <!------------------------------------>
                <!-------------------------------LOWER DIVIDER------------------->
                <!------------------------------------------------------------------>
                <!----------------------------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;">
                   <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZhcHBib3ktaW1hZyJ9:1n98Jv:iyUNuTEEkrnLCdVwJGQ30zXW03NVZSc6FSr_83iRf00" 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;">
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                    Teacher at YNAB
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