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   Daily Brew // Morning Brew // Update
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     The young are circumventing online age restrictions...
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             July 29, 2025
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               MARKETS
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            <!-- Nasdaq -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3MTI3NH0:1ugh25:9Hk7jpkP3FRdR3FjrTx6eScpUMOBTDXCQMqaUCfRxNg" style="width:22%" width="20"/>
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                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  21,178.58
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
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                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +0.33%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
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             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3MjkxMn0:1ugh25:N7C1P_da_je-ZwFnr_W4-W6Z3UPNTr0jawCOu7xJfrk" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  S&amp;P
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  6,389.77
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +0.02%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3NDAyOH0:1ugh25:C7bK3oFFtxncASSGP7ZZgfAPwWLSO-BERoNPiM5oOVo" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  44,837.56
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#ff03034d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     -0.14%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3NTA1M30:1ugh25:6SzIhW1tnXGWfR4kiQmV1uUNFGISgCNak07RkmJpMh8" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  4.420%
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +3.0 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3NjA2fQ:1ugh25:BGLWAL7jIC1937_auFHKhSabEB7QWIkkFfyjhpWpjrI" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $118,103.48
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#ff03034d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     -1.37%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Tesla -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3NzA0MX0:1ugh25:zpKVx7phlONy9EU62LVz9dZ-19u2XQzDSaavYqxYNBY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Tesla
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $325.59
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +3.02%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Tesla -->
            <!-- START REGULAR TEXT -->
            <tr>
             <td style="padding:3px 15px 10px">
              <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse;font-size:13px">
               <tr>
                <td style="padding-right:4px">
                 Data is provided by
                </td>
                <td style="margin:0;padding-right:5px">
                 <a style="display:block" target="_blank">
                  <img height="16px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F61a0dac0b53d6766459afdca784ae8fe604f17ed-720x102.png%253Fh%253D32%2526q%253D100%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3ODA2NH0:1ugh25:BPJMd65rBieswCSKUo7n8EkclHs7aKllkE9nVZmZD40" style="vertical-align:middle;height:16px;display:inline"/>
                 </a>
                </td>
               </tr>
              </table>
              <p style="text-align:left;margin:0;padding:0;font-size:13px;line-height:22px">
               *Stock data as of market close, cryptocurrency data as of 6:00pm ET.
               <a class="link-sm" rel="noopener" style="color:#333;border-bottom:1px solid #1c7ff2;text-decoration:none" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
             </td>
            </tr>
            <!-- END REGULAR TEXT -->
            <tr>
             <td style="mso-padding-alt:0px 15px 15px 15px;padding:0 15px">
              <ul style="margin-top:0;padding-left:30px">
               <li style="margin-bottom:10px;line-height:22px">
                <span>
                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 Stocks weren’t quite sure what to do with themselves yesterday, ultimately
                </span>
                <span>
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  rising
                 </a>
                </span>
                <span>
                 as traders digested the news that the US and the EU had come to tariff terms. Investors are also gearing up for a major week, with a Fed rate decision and earnings reports from four of the “Magnificent Seven” looming.
                </span>
               </li>
               <li style="margin-bottom:10px;line-height:22px">
                <span>
                 <strong style="color:#000">
                  Stock spotlight:
                 </strong>
                </span>
                <span>
                 Tesla rose after Elon Musk confirmed the company’s $16.5 billion deal to buy AI chips from Samsung.
                </span>
               </li>
              </ul>
              <div style="display:none">
              </div>
             </td>
            </tr>
            <tr>
             <td style="mso-padding-alt:0px 20px 15px 20px;padding:0 20px">
             </td>
            </tr>
           </table>
          </th>
         </tr>
        </table>
        <!--[if !mso ]><! -- -->
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      </div>
      <!-- <![endif]-->
      <!-- END MARKETS -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
        <tr>
         <td class="card" style="color:#333;border-collapse:collapse;box-shadow:none;background-color:#fff;border:1px solid #e6e6e6;border-radius:15px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;display:block">
          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            TECH
           </h3>
          </div>
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            <td class="story-content">
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 UK’s online age checks are no match for young Brits
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="PornHub age-verification pop-up" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F4c321d801085a447c413ed14be661e677339e70f-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk3OTE3fQ:1ugh25:3GjKaz81xhflpQsDazY8GoC6hAnVrN8CtP3dIUCCZgc" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Leon Neal/Getty Images
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px 15px 0">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 The United Kingdom’s attempt to keep kids from accessing NSFW content is going about as well as you’d imagine. Downloads for virtual private network (VPN) apps went gangbusters over the weekend in the UK, where the youths are apparently using them to
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  dodge
                 </a>
                 new age-verification rules.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 According to the BBC, after the country’s Online Safety Act took effect on Friday:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   VPNs, which disguise your IP address to make websites think you’re located in another country, became the most-downloaded apps in the UK.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Half of the top ten free apps in Apple’s App Store in the UK are VPNs, as of yesterday.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   The top-ranked free app in the country, Proton VPN, logged a 1800% surge in signups over the weekend, making the UK one of Proton’s busiest user bases.
                  </span>
                 </li>
                </ul>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 It’s a new world(wide web) in the UK
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Websites with content deemed inappropriate—including Reddit, Bluesky, and PornHub—have
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  introduced
                 </a>
                 age-verification checks designed to keep out anyone under 18 in the UK, as required by the recently implemented law.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 The law is mainly intended to shield minors from pornography and anything that promotes eating disorders or self-harm, but critics aren’t sure this is the best way to go about it:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Some sites ask for selfies, videos, or photos of IDs to check users’ ages, which has privacy experts worried about potential data breaches, since an age verification platform used by TikTok, Uber, and X left personal info exposed last year,
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    according to
                   </a>
                  </span>
                  <span>
                   404 Media.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Age restrictions could also be used to
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    block
                   </a>
                  </span>
                  <span>
                   children from content that may be labeled inappropriate “for political reasons,” like reproductive health information, a Stanford policy researcher told Wired.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Some tricksters have gotten creative:
                 </strong>
                 Gamers who didn’t want to hand over a facial scan figured out that they could
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  get past
                 </a>
                 Reddit and Discord’s age-verification checks by pointing their phone cameras at the face of the main character in
                 <em>
                  Death Stranding.
                 </em>
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Zoom out:
                 </strong>
                 The UK leads a growing wave of countries—including
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  the US
                 </a>
                 , France, and Ireland—in embracing online age-verification rules.
                 <em>
                  —ML
                 </em>
                </p>
               </td>
              </tr>
              <tr>
               <td class="social-container" style="padding-bottom:15px;padding-left:15px">
                <!-- SOCIAL LINKS -->
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                    <img src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcab2ac077d288f7ba1df3571cb0ec28ce8f32b86-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk4MDE4NH0:1ugh25:aJbZFm-sFwUd0_Z6RwOhzkhmXJRicq0Fv3mwSUr4M2g" style="width:25px;display:inline-block" width="25"/>
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                  </td>
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               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
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      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
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            Presented By SoFi
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              Get used to the “cha-ching” sound
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           </h1>
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              You’ll be hearing it a lot—literally and mentally—once your money’s working harder with
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               SoFi Plus
              </a>
              .
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              SoFi Plus is a premium membership offering valuable benefits across banking, investing, and credit card rewards. In other words: It pays to join.
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             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              With SoFi Plus, you get:
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
             </p>
             <ul style="margin-top:0;padding-left:30px">
              <li style="margin-bottom:10px;line-height:22px">
               <span>
                3.80% APY on SoFi Savings³
               </span>
              </li>
              <li style="margin-bottom:10px;line-height:22px">
               <span>
                1% match on recurring Invest deposits, paid in rewards points
               </span>
               <span>
                <sup>
                 4
                </sup>
               </span>
              </li>
              <li style="margin-bottom:10px;line-height:22px">
               <span>
                unlimited access to financial planners from SoFi Wealth⁵
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             </p>
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              That’s just a taste of how SoFi Plus gets you more bang for your buck—and boy, does more bang taste good.
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
             </p>
             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              Try SoFi Plus for 90 days and
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               earn $50 in SoFi Rewards Points
              </a>
              .^
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            WORLD
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              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
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                  Jane Barlow/Getty Images
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                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fspeech-balloon_1f4ac.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuODk4NzUyNX0:1ugh25:qGJGO8NyWSNBLXtkuWLdX_OrCRwoE5kH6Xo5E6ok4As" style="max-width:18px" width="18"/>
                  Trump sounds off in Scotland.
                 </strong>
                 During a wide-ranging discussion with
                 <strong style="color:#000">
                 </strong>
                 UK Prime Minister Keir Starmer, President Trump
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  said
                 </a>
                 he’d likely impose a 15% or 20% blanket tariff on imports from countries that have not reached new trade deals with the US, which is higher than the 10% that he announced in April. Trump also said he was “very disappointed” in Russian President Vladimir Putin and that he would give Russia 10 to 12 more
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  days
                 </a>
                 to negotiate a ceasefire with Ukraine or the US would hit Russia’s trading partners with tariffs, shortening a previous 50-day deadline. The president also called for the US to get more involved in providing humanitarian aid to Palestinians in Gaza, saying the US would “set up food centers” and
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  asserting
                 </a>
                 that there is “real starvation,” in contradiction to a denial from Israel’s prime minister.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fflag-for-european-union_1f1ea-1f1fa.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuODk4ODU2Nn0:1ugh25:ZwKEXqxrZzEkHXmMpPIFN3AIfQQ3YXyljVUj1irAlpk" style="max-width:18px" width="18"/>
                  France and Germany aren’t thrilled with the US–EU trade deal.
                 </strong>
                 While many European businesses hailed the tariff framework announced Sunday by President Trump and European Commission President Ursula von der Leyen—which will impose a 15% tariff on EU exports to the US—as a welcome avoidance of the worst-case scenario of a trade war, the leaders of the EU’s two biggest economies
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  criticized
                 </a>
                 the plan. Germany’s chancellor said it would “substantially damage” the nation’s finances, and France’s prime minister described it as “submission,” per the BBC. Other EU leaders also piled on, with Hungary’s Viktor Orban saying, “Trump ate von der Leyen for breakfast.” Meanwhile, representatives for the US and China resumed trade talks in Stockholm.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  🪚 Get ready for Warner Bros. and Discovery Global.
                 </strong>
                 Warner Bros. and Discovery have gotten past that awkward phase of determining who gets to keep what after the breakup, with the company
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  announcing
                 </a>
                 yesterday the names and leadership of the two companies that will remain after it splits itself in two. The streaming and movie studio will be known as Warner Bros., with WBD CEO David Zaslav at the helm, and the cable television business (which also includes the Discovery+ streaming service) led by the current company’s CFO will be called Discovery Global. The company expects to complete the rupture, which will effectively undo the blockbuster 2022 merger that created it, by the middle of next year.
                 <em>
                  —AR
                 </em>
                </p>
               </td>
              </tr>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            INTERNATIONAL
           </h3>
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               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 China will pay people to have kids
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="China baby bonus" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F3d4bff649116f8f4c15a2d5242edc068908ba983-2000x1333.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk4OTYwNH0:1ugh25:pqrN7gpK5j-gtlPUWUinmgMvTmWGxfuPSPBJdt2MXcc" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Anna Kim
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 The parents in
                 <em>
                  19 Kids and Counting
                 </em>
                 probably wish they lived in China, where the government will pay families $500 a year per baby until the child turns three, state media reported yesterday.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 The cash is meant to be a
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  birthing incentive
                 </a>
                 to remedy the country’s ongoing population decline, which threatens to undermine its economy:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   China’s fertility rate dropped from 2.51 children per woman in 1990 to 1.01 last year, well below the 2.1 rate needed to maintain a stable population.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   The number of annual births had nearly halved by 2024 from 2016, the year China’s government nixed its decadeslong one-child policy.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Local governments in China already offer their own baby bucks incentives, with the capital of the Inner Mongolia region offering the most generous subsidy of up to $14,000 per child.
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 It’s not just China
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Two-thirds of the world’s population currently live in countries with below-replacement birth rates, including Americans. The US recorded an all-time low of 1.6 births per woman last year. The Trump administration has reportedly considered a $5,000 “baby bonus,” and the recently passed Republican tax bill included the government funding a $1,000 investment account for babies born through 2028.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Can money spur a baby boom?
                 </strong>
                 Studies suggest so-called baby bonuses have a minimal long-term effect on fertility rates. Some demographers say that paid parental leave and expanded access to affordable childcare are more effective birth catalysts. But many experts argue there’s no easy fix, since cultural shifts, as well as women gaining better education and career opportunities, might be part of what’s behind birth rate declines.
                 <em>
                  —SK
                 </em>
                </p>
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            Together With The Pets Table
           </h3>
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           <img alt="The Pets Table" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F053c58653aaced95fd5644db9d2be15ed262e375-1025x800.jpg%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk5MzUxNn0:1ugh25:zBo_ZGCNrD8PEJF9jA_-ev0WVTjJgaJHEIIEFBDFL4k" style="width:100%;max-width:670px;padding-top:15px;display:block" width="670"/>
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             <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              <strong style="color:#000">
               The dog days of dull dinners are over.
              </strong>
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               The Pets Table
              </a>
              is here to serve actual meals for your furry family member. With vet-developed, human-grade recipes (including poultry-free picks), gut-friendly fiber, and more variety than most competitors, it’s food your pup will love—delivered fresh or air-dried to your door.
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               Get 50% off your first box here
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              .
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            ENTERTAINMENT
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 <em>
                  KPop Demon Hunters
                 </em>
                 is slaying for Netflix
                </a>
               </h1>
              </div>
             </table>
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               <img alt="A still from KPop Demon Hunters " src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F7d7fc88215e9fe1613963b1cb4031f436a242a1d-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk5NDQ5OH0:1ugh25:drJOWV1GM97-l-vKfC2wQcMtJRfJ6mbcoDFLP0di_e0" style="width:100%;max-width:670px;display:block" width="670"/>
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              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Netflix
                 </em>
                </small>
               </span>
              </p>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 What do you get when you combine K-pop with an animated tale featuring a female group of demon-slaying heroes? If you’re Netflix, it’s a
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  surprising juggernaut
                 </a>
                 of an original family movie that may provide the blueprint for challenging Disney for cartoon movie supremacy.
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   After garnering 9.2 million views in its debut week in June with scant help in the way of promotion,
                  </span>
                  <span>
                   <em>
                    KPop Demon Hunters
                   </em>
                  </span>
                  <span>
                   has risen to No. 1 on
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Netflix’s Top 10 list
                   </a>
                  </span>
                  <span>
                   for the past two weeks, hitting a new peak with 25.8 million views for the week that ended July 20, thanks to strong word of mouth.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   The soundtrack also boasts multiple songs by the movie’s fictional supergroups peppering Billboard’s Hot 100 list. Five songs are in the top 15 on Spotify’s daily charts.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Taking on the cartoon mouse
                 </strong>
                 : Former CEO Reed Hastings said in 2021 that Netflix wanted to
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  challenge Disney
                 </a>
                 in family animation, but so far, it’s been more like the Washington Generals challenging the Harlem Globetrotters. Now, by tapping into K-pop and its global popularity, Netflix may have the foundation for an original franchise on its hands.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Zoom out:
                 </strong>
                 An analyst told Business Insider that PG movies have outgrossed their PG-13 counterparts over the past three years. That’s key for Netflix, which is coming off a
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  great Q2 earnings report
                 </a>
                 , as it seeks to solidify its family movie library to help prevent Gen Alpha from migrating to YouTube.
                 <em>
                  —DL
                 </em>
                </p>
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            STAT
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               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 Prime number: Rise of the home flippers
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <img alt="A house with a sold sign outside" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fbe14695953a34ca7a0647af023b7f458ae5976e3-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk5ODM0fQ:1ugh25:mXJz2uD0dNlacoCI58Arv5yBCK0nlleBkRoU4SdCkMs" style="width:100%;max-width:670px;display:block" width="670"/>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Sundry Photography/Adobe Stock
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Chip and Joanna Gaines types are having a moment—no modern farmhouse aesthetic required. With elevated home prices and high mortgage rates keeping many individual homebuyers out of the market, investors looking to buy houses for flipping or renting out are snapping up single-family homes. The Wall Street Journal
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  reports
                 </a>
                 :
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Investors are responsible for ~30% of purchases of existing homes and new construction so far this year, the highest share since property analytics firm Cotality began tracking this data 14 years ago.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Smaller investors who own fewer than 100 homes are doing most of the buying, representing a big change from when massive PE firms like Blackstone and Starwood Capital Group dominated the market. Smaller investors made 25% of home purchases so far in 2025, while larger ones accounted for 5%. The little guys can take bigger risks because they don’t have boards and shareholders to answer to, plus builders with too much inventory are offering them discounts once reserved for bigger fish.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 But even with investors’ interest piqued, home sales are slumping. Spring is usually the selling season in the US, but this year was the worst season in 13 years, with fewer sales contracts getting signed from April through June than in any year
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  since 2012
                 </a>
                 , per Redfin.
                 <em>
                  —AR
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
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      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
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       <!-- <![endif]-->
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            NEWS
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="card-content">
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              <div class="title-container" style="padding:0 15px">
               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 What else is brewing
                </a>
               </h1>
              </div>
             </table>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    At least four people
                   </a>
                  </span>
                  <span>
                   , including a police officer, were killed in a shooting in a Midtown Manhattan office building that houses corporate offices for Blackstone and the NFL, CNN reports. The shooter, tentatively identified as a 27-year-old from Las Vegas, was also dead, according to authorities.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Spirit Airlines
                   </a>
                  </span>
                  <span>
                   plans to furlough 270 pilots, demote another 140, and run fewer flights this fall as it seeks to cut costs after emerging from bankruptcy.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    A Massachusetts federal judge
                   </a>
                  </span>
                  <span>
                   blocked the Trump administration’s efforts to bar Planned Parenthood clinics from receiving Medicaid reimbursements while the organization challenges the defunding included in the Republicans’ recently passed tax bill.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    The University of Colorado’s Deion Sanders
                   </a>
                  </span>
                  <span>
                   said he beat bladder cancer and will coach this season.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    The Las Vegas Sphere
                   </a>
                  </span>
                  <span>
                   will show a version of the 1939
                  </span>
                  <span>
                   <em>
                    Wizard of Oz
                   </em>
                  </span>
                  <span>
                   souped up by a team of technicians and AI to fit its giant screen. The film screenings begin in late August.
                  </span>
                 </li>
                </ul>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
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      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
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          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            RECS
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
             <div class="header-image-container" style="padding-top:15px">
              <img alt="To-do list banner" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F762cbc4c673b8613a0de1bf6711a4fc25276f7a4-1350x330.png%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuODk5OTMxNH0:1ugh25:VLRnnIJiwTW9mEOVRWSahvVYDKFiE6S6NvD8y9-w_H8" style="width:100%;max-width:670px;display:block" width="670"/>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <div>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwMDI0N30:1ugh25:yHyI48Vv-ejwFLPklCDq1S5xhYQ0RDej3miC-pr2FAM" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Tune out:
                  </strong>
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Over-the-ear headphones
                  </a>
                  so light you won’t even know you have them on.**
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwMTEzOH0:1ugh25:QINiX7OnA6kTP257s4g4Ol-nyTU5c3cnTtayCz6wdK0" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Keep it cool:
                  </strong>
                  Caterers share the
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   best way to pack
                  </a>
                  a cooler.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwMjQyOH0:1ugh25:sx4uKKD0AvRAm2EdFgGq_JbOUZms8a3GtOTahp7TshI" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Just watch:
                  </strong>
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Six movies
                  </a>
                  that the Atlantic writers think are better than the books they’re based on.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwMzM0OH0:1ugh25:uqdwCvyQ3g0FUwPwz75uC9mD7-XX4tjh0cyNY2XpSp8" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Plan a road trip:
                  </strong>
                  The
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   most beautiful towns
                  </a>
                  in the US.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwNDI4OH0:1ugh25:904J3HuESOL2wbiuXC23jjSH_19tdAEMkudxd8CCIfw" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   IT made easy (finally):
                  </strong>
                  Take a demo of Electric’s all-in-one IT and security management platform and get a pair of
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Apple Airpods 2 or a Yeti
                  </a>
                  cooler.
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   Book your slot
                  </a>
                  .*
                 </p>
                 <placementslot data-id="0ac6dd2f97fd">
                 </placementslot>
                 <placementslot data-id="97d1f651eced">
                 </placementslot>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <sup>
                   <em>
                    *A message from our sponsor. **This is a product recommendation from our writers. When you buy through this link, Morning Brew may earn a commission.
                   </em>
                  </sup>
                 </p>
                </div>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            PLAY
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
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              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="Games available from Morning Brew" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F3524949da8d220051120175f97246671d52e0b38-2700x660.png%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwNTMwNn0:1ugh25:hbbuK60ucDqL8La5zGe_YVwgxnB1Ep-A5a3JxKoPFdE" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
              </p>
             </div>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Brew Mini:
                 </strong>
                 You don’t have to learn to code to complete today’s Mini (though a little bit of knowledge might help).
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Play it here
                 </a>
                 .
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 Cinema trivia
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 In 2003, the American Film Institute released a list of the 50 greatest heroes and 50 greatest villains in cinema history. Who is the only character to appear on both lists?
                </p>
               </td>
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             </table>
            </td>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            SHARE THE BREW
           </h3>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Share Morning Brew
                 </a>
                 with your friends, acquire free Brew swag, and then acquire more friends as a result of your fresh Brew swag.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 We’re saying we’ll give you free stuff and more friends if you share a link. One link.
                </p>
                <a>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe8c0d668fd2ce584105a14629f9409b29ddffc91-3840x2160.png%253Fw%253D640%2526q%253D60/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NTM3ODI4NDUuOTAwNjc3Mn0:1ugh25:Gen9-L9QjueeL5U2vsR9rjIBFZhPyrBhrraRxkKHm44" style="width:100%;max-width:640px;display:block;width:100%!important" width="640"/>
                 </p>
                </a>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <b>
                  Your referral count:
                 </b>
                 0
                </p>
                <a class="stb-btn" style="color:#fff;text-align:center;background-color:#1c7ff2;border-radius:4px;width:100%;max-width:150px;padding:15px;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:900;text-decoration:none;display:block;margin-top:inherit!important;margin-bottom:inherit!important;margin-right:inherit!important;margin-left:inherit!important">
                 Click to Share
                </a>
                <p style="margin-top:15px;margin-bottom:15px;line-height:22px">
                 Or copy &amp; paste your referral link to others:
                 <br/>
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  morningbrew.com/daily/r/?kid=979c4554
                 </a>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            ANSWER
           </h3>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Terminator. He was a hero in
                 <em>
                  Terminator 2
                 </em>
                 and a villain in
                 <em>
                  The Terminator
                 </em>
                 .
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <span style="text-decoration:underline">
                  Word of the Day
                 </span>
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Today’s Word of the Day is: piqued, meaning “stimulated (interest or curiosity).” Thanks to Patricia Oyakhire from Houston, TX, for arousing our interest with the suggestion. Submit another Word of the Day
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  here
                 </a>
                 .
                </p>
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            <td class="disclaimers-content" style="padding:15px;font-size:10px">
             <p style="margin-top:0;margin-bottom:15px;font-size:10px;line-height:10px">
              <strong style="color:#000">
               ✢ A Note From SoFi
              </strong>
             </p>
             <span style="font-size:10px">
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               <strong style="color:#000">
                INVESTMENTS ARE NOT FDIC INSURED · ARE NOT BANK GUARANTEED · MAY LOSE VALUE
               </strong>
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi Checking and Savings accounts are offered by SoFi Bank, N.A., Member FDIC.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi Credit Cards are issued by Safi Bank, N.A. pursuant to license by Mastercard® International Incorporated.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Loans originated by SoFi Bank, N.A., NMLS #696891
               <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                (www.nmlsconsumeraccess.org
               </a>
               ). Equal Housing Lender. Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Advisory services are offered through Safi Wealth LLC, an SEC-registered investment adviser. Information as of May 2025 and is subject to change. Screen images simulated. Uob code]
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi Plus: Terms and conditions apply. To learn more about SoFi Plus, please see the SoFi Plus page.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Eligible Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               ^SoFi Plus Rewards Offer Terms
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               The following describes the terms that apply to participation in the SoFi Plus Welcome Offer promotion (the “Promotion”).
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Eligible Participants
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               All new and existing members who have not previously enrolled in this Promotion are eligible to earn a bonus of 5,000 SoFi rewards points (the “Bonus”) (equal to $50) when they (i) enroll in SoFi Plus, either by paying the SoFi Plus Subscription Fee or by receiving an Eligible Direct Deposit into their SoFi Checking or Savings account, and (ii) maintain their SoFi Plus membership for at least 90 calendar days.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Promotion Period
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               The SoFi Plus Welcome Offer Promotion will begin on 5/9/2025 at 12:01AM ET and end on 12/31/2026 at 11:59PM ET
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Bonus Terms
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               In order to qualify for the Bonus, the user must (i) click on the link in the promotional communication, (ii) enroll in SoFi Plus either by paying the SoFi Plus Subscription Fee or by receiving an Eligible Direct Deposit into their SoFi Checking or Savings account within 45 calendar days of clicking the promotional link, and(iii) maintain their SoFi Plus membership for at least 90 calendar days. The user will have 135 calendar days from clicking on the promotional link to complete all required actions. This offer cannot be combined with the SoFi Plus referral offer.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Bonus Payment Timeline
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi will disburse the Bonus to the member’s SoFi rewards account within seven (7) business days of completing all required actions.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Tax Reporting
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               Other Important Details
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity. Sofi also reserves the right to modify or end the Promotion at any time. [WF MB24-2106051]
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               <sup>
                3
               </sup>
               SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at //www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               <sup>
                4
               </sup>
               Must be a SoFi Plus member at the time a recurring deposit is received into a SoFi Active or Automated Investing account. Bonus paid in SoFi Rewards Points. Terms apply: SoFi Plus Invest Disclaimers
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
              </p>
              <p style="margin-top:0;margin-bottom:15px;line-height:22px">
               <sup>
                5
               </sup>
               SoFi Plus members can schedule unlimited financial planner appointments during periods of eligibility. Non-members are limited to one appointment. Services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. See Form ADV Part 2 at
               <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                adviserinfo.sec.gov
               </a>
               .
              </p>
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