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   Daily 2025-11-05
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               Wed, Nov 5 | 3:07 read time
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                   Together with
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                       All metrics are as of the latest market close.
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                      <table border="0" cellpadding="0" cellspacing="0" style="color:#000000;font-family:Inter,sans-serif;font-size:13px;line-height:22px;table-layout:auto;width:100%;border:none;" width="100%">
                       <tbody>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          S&amp;P 500
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          1.16% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          6,772
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          GOLD
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          1.72% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $3,945
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          BITCOIN*
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          6.26% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $99,889
                         </td>
                        </tr>
                        <tr>
                         <td colspan="3" style="font-size:10px;font-family:Trispace,monospace;color:#7F879C;padding:0">
                          *24-hour change
                         </td>
                        </tr>
                       </tbody>
                      </table>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
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                      <div style="font-family:Inter,sans-serif;font-size:1px;line-height:1.5;text-align:left;color:#000000;">
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                 <td style="vertical-align:top;padding:0;">
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                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <table border="0" cellpadding="0" cellspacing="0" style="color:#000000;font-family:Inter,sans-serif;font-size:13px;line-height:22px;table-layout:auto;width:100%;border:none;" width="100%">
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                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          FTSE 100
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.14% ▲
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          9,715
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          BRENT OIL
                         </td>
                         <td style="font-size:12px;color:#EA3459;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.97% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          $64.26
                         </td>
                        </tr>
                        <tr>
                         <td style="font-size:12px;font-weight:700;width:40%;vertical-align:baseline;padding:10px 0 0 0">
                          US BONDS*
                         </td>
                         <td style="font-size:12px;color:#16B166;font-weight:500;font-family:Trispace,monospace;width:30%;vertical-align:baseline;padding:10px 0 0 0">
                          0.03% ▼
                         </td>
                         <td style="font-size:12px;width:30%;vertical-align:baseline;text-align:right;padding:10px 0 0 0;font-family:Trispace,monospace">
                          4.10%
                         </td>
                        </tr>
                        <tr>
                         <td colspan="3" style="font-size:10px;font-family:Trispace,monospace;color:#7F879C;padding:0">
                          *10-year government yield
                         </td>
                        </tr>
                       </tbody>
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                 </td>
                </tr>
               </tbody>
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                 <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:700;line-height:1.5;text-align:left;color:#181c25;">
                  WALL STREET FEAR GAUGE INDEX 
(
                  <a style="font-weight:400;font-family:Trispace,monospace">
                   VIX
                  </a>
                  )
                 </div>
                </td>
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                    <td style="width:536px;">
                     <img alt="Wall Street Fear Gauge Index" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fimages.bannerbear.com%252Fdirect%252F7Q4rjJzQn7vZo8qPOx%252Frequests%252F000%252F112%252F623%252F059%252FNxmo39RaVQ9mrBrwQAOe2Ewg5%252F9b5c02574120d9a8cea45ea60c07a4ac0395260e.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D9348d75192cb3f14a8574a04007a5301/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NjIzMjk5NjYuMzE0OTgxN30:1vGYWs:fj0D2P6kUJXMiqsIxWKpyKaDEEE7tazOjXwhwP3-Ifw" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="536"/>
                    </td>
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                       <p data-block-key="10zqs">
                        🔴 Some of Wall Street’s biggest names said that stock prices need a reset. Plus, Tesla sold fewer EVs than expected – which won’t help Elon
Musk secure that trillion-dollar pay package.
                       </p>
                       <p data-block-key="i6fp">
                        ➕ How to tweak Ray Dalio’s famous "all-weather" portfolio
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                        <b>
                         👇 Keep reading to find out more
                        </b>
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                      <a target="_blank">
                       <img alt="Keeping Up With The Valuations" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3-eu-west-1.amazonaws.com%252Fstatic%252Fimages%252FEditorial-041125-Valuations.original.jpg%253Ffit%253Dcrop%2526h%253D600%2526ixlib%253Dpython-3.1.2%2526w%253D1200%2526s%253Dfb773bdf78bf3fe42d4e0f095efad2fb/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NjIzMjk5NjYuMzE1MTAwNH0:1vGYWs:D9IonFUhMeLNJugq_fJP8w3VnAb4yJHsZsDXPSaJpnI" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
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                 <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   <p data-block-key="81a99">
                    <b>
                     What’s going on here?
                    </b>
                   </p>
                   <p data-block-key="143kv">
                    Top Wall Street executives warned that stock prices could be in for a reality check.
                   </p>
                   <p data-block-key="becs0">
                    <b>
                     What does this mean?
                    </b>
                   </p>
                   <p data-block-key="2db7j">
                    ▶
                    <b>
                     Goldman
Sachs
                    </b>
                    and
                    <b>
                     Morgan Stanley
                    </b>
                    both expect global stock markets to drop by 10% to 20% over the next year or two – which they think would be a “healthy reset.”
                   </p>
                   <p data-block-key="dk3i8">
                    ▶
                    <b>
                     Capital Group
                    </b>
                    didn’t forecast a crash, but the investment management firm did say that stock valuations are now so high that there’s very little room to grow.
                   </p>
                   <p data-block-key="9p35s">
                    ▶ Even economist Ed Yardeni – famed for his practically permanent optimism – said the
                    <b>
                     S&amp;P
500
                    </b>
                    could fall as much as 5% by late December, pointing toward maxed-out investor sentiment and stressed technical indicators.
                   </p>
                   <p data-block-key="2v1u6">
                    <b>
                     Why should I care?
                    </b>
                   </p>
                   <p data-block-key="ft9ak">
                    <b>
                     <i>
                      Zooming in:
                     </i>
                    </b>
                    <i>
                     The even bigger short...
                    </i>
                   </p>
                   <p data-block-key="6ia2f">
                    If you’ve watched “The Big Short”, you’ll know Michael Burry: the investor notorious for betting against the housing bubble ahead of the global financial crisis. Well, he recently broke a long
silence, taking to social media to say: “sometimes, the only winning move is not to play”. Days later, filings revealed that nearly 80% of his fund’s portfolio is tied up in “
                    <a>
                     put options
                    </a>
                    ” betting
                    <i>
                     against
                    </i>
                    AI darlings
                    <b>
                     Nvidia
                    </b>
                    and
                    <b>
                     Palantir
                    </b>
                    . That means Burry doubts those hyped-up stock prices have staying power – and he’s, ahem, put his money where his mouth is.
                   </p>
                   <p data-block-key="ccnkm">
                    <b>
                     <i>
                      The bigger picture:
                     </i>
                    </b>
                    <i>
                     Trust the many, not the few.
                    </i>
                   </p>
                   <p data-block-key="48vfp">
                    The S&amp;P 500 has risen by 35% since April. So now, the index is trading for 23 times its projected earnings – above its five-year average of 20.
                   </p>
                   <p data-block-key="uhjt">
                    ⚠️ Thing is, the S&amp;P 500 is resting on a few overachievers. In fact, 38% of the index’s value comes from just
                    <i>
                     ten
                    </i>
                    companies. That’s risky: a bad earnings report or shift in investor
expectations could destabilize the whole thing.
                   </p>
                   <p data-block-key="1g5eu">
                    That’s why industry pros keep repeating an old truth: diversification matters. Spreading your bets across regions, sectors, and assets can help soften your landing if the high-flyers lose some altitude.
                   </p>
                  </div>
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                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;color:#000000;">
                   You might also like ⇢
                   <a>
                    2025’s Markets Just Proved That
Diversification Still Works
                   </a>
                  </div>
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                      👀
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                     <span style="font-style:italic">
                      Today's Research
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                    <span style="background-color:#EFFF0D;display:inline">
                     Ray Dalio’s All-Weather Portfolio Works In Any Market –
And This Tweak Makes It Even Better
                    </span>
                   </mj-raw>
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                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   <p data-block-key="pr7ai">
                    Done well,
                    <a>
                     diversification
                    </a>
                    involves a bit more than just mixing your stocks with some bonds.
                   </p>
                   <p data-block-key="50vgp">
                    Ray Dalio actually made an art form of it: his
                    <a>
                     All-Weather Portfolio
                    </a>
                    spreads risk across
                    <i>
                     economic scenarios
                    </i>
                    like inflation, deflation, growth, and slowdowns. That made for a far more resilient investing mix.
                   </p>
                   <p data-block-key="145u6">
                    But you can improve on it even more by layering a
                    <a>
                     simple trend filter
                    </a>
                    on top.
                   </p>
                   <p data-block-key="dqfbb">
                    Do that, and your portfolio’s risk-adjusted returns get
                    <a>
                     a serious boost
                    </a>
                    : drawdowns shrink, the ride gets smoother, and you won’t miss much upside, either.
                   </p>
                   <p data-block-key="c8o04">
                    So, let me show you how
                    <a>
                     the strategy
                    </a>
                    works, how to build it with ETFs (or futures if you want to go bigger), and how that one tweak can turn your steady portfolio into a far smarter one.
                   </p>
                   <p data-block-key="fsjkl">
                    That’s today’s Research:
                    <a>
                     how to use a simple trend filter to improve Dalio’s famous portfolio
                    </a>
                    .
                   </p>
                   <p data-block-key="139eq">
                    <a>
                     <b>
                      Read or listen to the Research here
                     </b>
                    </a>
                   </p>
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                         Reda
Farran, CFA
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                     You always want what you can’t have.
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                   <p data-block-key="a0ccu">
                    Case in point: private equity — those shiny, often lucrative opportunities usually reserved for the ultra-wealthy.
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                    But here’s the
twist: you can access some of the world’s most dynamic, private equity-backed companies. You just need to know where to look.
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                    Join Oakley at the
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                     Pay-Check
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                   <p data-block-key="jfusa">
                    <b>
                     What’s going on here?
                    </b>
                   </p>
                   <p data-block-key="ebogh">
                    <b>
                     Tesla
                    </b>
                    reported worse-than-expected sales in October – just as investors prepare to vote on Elon Musk’s $1 trillion pay package.
                   </p>
                   <p data-block-key="b9let">
                    <b>
                     What does this
mean?
                    </b>
                   </p>
                   <p data-block-key="g6pa">
                    Tesla’s been trying to win over cost-conscious customers with cheaper, more basic models. (Bear in mind, though, that a “cheap” Tesla will still set you back about $40,000.)
                   </p>
                   <p data-block-key="a5o9">
                    ▶ So far, not so good: the EV maker saw its sales tank across Europe. In Norway, the Netherlands, and Italy, Tesla sales
                    <i>
                     halved
                    </i>
                    versus last October – while those in Spain fell by almost a third. France was the exception, with sales rising more than
2%.
                   </p>
                   <p data-block-key="fvj7r">
                    ▶ News from China wasn’t much better: shipments from Tesla’s Shanghai factory fell by a tenth from last year.
                   </p>
                   <p data-block-key="429ov">
                    ▶ America’s latest numbers aren’t out yet. But while US sales
                    <i>
                     did
                    </i>
                    pick up last quarter, analysts doubt that’ll last. After all, those shoppers were rushing to take advantage of a $7,500 tax credit before it expired in late September.
                   </p>
                   <p data-block-key="4f5vb">
                    <b>
                     Why should I care?
                    </b>
                   </p>
                   <p data-block-key="9ellp">
                    <b>
                     <i>
                      Zooming
in:
                     </i>
                    </b>
                    <i>
                     Elon, or El-off.
                    </i>
                   </p>
                   <p data-block-key="f4uom">
                    Despite those falling figures, Tesla’s share price is still up 12% on the start of this year, flirting with a record high. So now, the company’s worth $1.5 trillion – or
                    <i>
                     228 times
                    </i>
                    next year’s expected profit. That’s extremely expensive by any measure.
                   </p>
                   <p data-block-key="6afte">
                    ▶ See, longtime backers aren’t just in it for the EVs. They believe the company – or more specifically, head honcho Musk – could make serious bank
by pioneering self-driving technology and, more broadly, humanoids.
                   </p>
                   <p data-block-key="ckkn6">
                    ▶ Here’s the catch: Musk has threatened to quit if his
                    <i>
                     trillion
                    </i>
                    -dollar pay package is rejected at Tesla’s shareholder vote on Thursday. That’s possible, with one of the firm’s ten biggest stakeholders saying it’ll vote against the pay deal, and two advisory groups recommending investors do the same.
                   </p>
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        <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
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    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
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        <!--[if mso | IE]>
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          <tbody>
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             <!--[if mso | IE]>
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<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     🖋️
                    </span>
                    <span style="font-style:italic">
                     Quote
of the day
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
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        </div>
        <!--[if mso | IE]>
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</td></tr><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
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          <tbody>
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             <!--[if mso | IE]>
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<![endif]-->
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               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   <strong>
                    "Good advice is always certain to be ignored, but that's no reason not to give it."
                   </strong>
                   — Agatha Christie (an English author)
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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</td></tr></table>
<![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]>
</td></tr></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
   <div style="margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-left:16px;padding-right:16px;padding-top:0;text-align:center;">
        <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
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             <!--[if mso | IE]>
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<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:italic">
                     SPONSORED BY SURF AIR MOBILITY
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
</td></tr></table>
</td></tr><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:32px;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="center" style="font-size:0px;padding:0;padding-bottom:16px;word-break:break-word;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
                   <tbody>
                    <tr>
                     <td style="width:568px;">
                      <a target="_blank">
                       <img alt="Surf Air Mobility" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3-eu-west-1.amazonaws.com%252Fstatic%252Fimages%252FFINIMIZE_1000x500px_2.original.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D05e4b260ab734c5c579a0d90016ee321/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NjIzMjk5NjYuMzE1Nzk0fQ:1vGYWs:LcW_fP752X1chThmnsKH-dSOKsbxIFW5YwLxGZ4EAQA" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
                      </a>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                   <h3 data-block-key="bepsg">
                    <b>
                     Welcome to the future of flight...
                    </b>
                   </h3>
                   <p data-block-key="53nm2">
                    Surf Air Mobility (NYSE:
                    <a>
                     $SRFM
                    </a>
                    ) is already one of America’s biggest commuter airlines,
making over $100 million in revenue and flying over 320,000 passengers a year.
                   </p>
                   <p data-block-key="1pf0u">
                    And earlier this year, they unveiled the flagship products of their
                    <a>
                     AI-enabled software, called SurfOS
                    </a>
                    , and powered by Palantir Technologies.
                   </p>
                   <p data-block-key="8m853">
                    Put simply, SurfOS is being designed to unlock greater efficiency, reliability, and
                    <a>
                     profitability across the air mobility industry
                    </a>
                    by reducing manual work, improving operations, and connecting every stakeholder through a single intelligent platform.
                   </p>
                   <p data-block-key="aldu7">
                    Put even more simply, Surf Air Mobility has set out to
                    <a>
                     completely disrupt the air mobility market
                    </a>
                    .
                   </p>
                   <p data-block-key="1dqu1">
                    Find out more about
                    <a>
                     Surf Air Mobility
                    </a>
                    and the
                    <a>
                     future of air travel
                    </a>
                    .
                   </p>
                  </div>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:12px;line-height:1.5;text-align:left;color:#5E6984;">
                   Please see important disclosures below*
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
</td></tr></table>
</td></tr></table>
<![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]>
</td></tr></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
   <div style="margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-left:16px;padding-right:16px;padding-top:0;text-align:center;">
        <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="border-top:2px solid #204CE9;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     🎯
                    </span>
                    <span style="font-style:italic">
                     On Our
Radar
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
</td></tr></table>
</td></tr><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:32px;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="aaghi">
                        1.
                        <b>
                         Walk the walk.
                        </b>
                        Toyota’s new robot can
                        <a>
                         take you
places wheels can’t reach
                        </a>
                        .
                       </p>
                       <p data-block-key="9dfo">
                        2.
                        <b>
                         It’s cuffing season.
                        </b>
                        If you’re in the dating pool,
                        <a>
                         you need to know about “winter coating”
                        </a>
                        .
                       </p>
                       <p data-block-key="859m1">
                        3.
                        <b>
                         Get expert advice on your portfolio
                        </b>
                        . Check out
                        <a>
                         our
dedicated hub
                        </a>
                        to see the opportunities on Charles Schwab’s radar right now.
                       </p>
                       <p data-block-key="4k2gk">
                        4.
                        <b>
                         There’s a thin line between work and play.
                        </b>
                        Some people are
                        <a>
                         letting AI have all the fun
                        </a>
                        .
                       </p>
                       <p data-block-key="6b67v">
                        5.
                        <b>
                         Brits, clear your calendars.
                        </b>
                        The
                        <a>
                         "Celebrity Traitors" finale
                        </a>
                        is close.
                       </p>
                      </div>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
</td></tr></table>
</td></tr></table>
<![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]>
</td></tr></table>
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
   <div style="margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:24px;padding-left:16px;padding-right:16px;padding-top:0;text-align:center;">
        <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="border-top:2px solid #204CE9;direction:ltr;font-size:0px;padding:20px 0;padding-bottom:0;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:italic">
                     SPONSORED BY COINGECKO API
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
             <!--[if mso | IE]>
</td></tr></table>
<![endif]-->
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
</td></tr></table>
</td></tr><tr><td class="" width="600px">
<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:568px;" width="568"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
<![endif]-->
        <div style="margin:0px auto;max-width:568px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:20px 0;padding-bottom:32px;padding-top:8px;text-align:center;">
             <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="center" style="font-size:0px;padding:0;padding-bottom:16px;word-break:break-word;">
                      <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
                       <tbody>
                        <tr>
                         <td style="width:568px;">
                          <a target="_blank">
                           <img alt="COINGECKO" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fimages.bannerbear.com%252Fdirect%252F7Q4rjJzQn7vZo8qPOx%252Frequests%252F000%252F112%252F585%252F767%252F7gAk4KJj8Qm9kOL7QvwqxrD20%252F97c8c295d20c158a31a84829e095ea9feeb9109f.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D1aa9c232707dff2ffd54300cd1ec883f/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NjIzMjk5NjYuMzE1OTE0OX0:1vGYWs:BAAOn_tBkVwsTWug0CX_VSa6T9U7FXvA6KJvC_pa4xQ" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
                          </a>
                         </td>
                        </tr>
                       </tbody>
                      </table>
                     </td>
                    </tr>
                    <tr>
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                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="dqcfl">
                        🚨
                        <b>
                         Governments now hold $68 billion in bitcoin, up 58% from a year ago
                        </b>
                        <br/>
                        Track digital assets treasuries (DATs) across 150-plus entities and 14 assets, including bitcoin, ethereum and solana, on
                        <a>
                         CoinGecko
                        </a>
                        .
                       </p>
                      </div>
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                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:italic">
                     🎙 Finimize Live
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
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               <tbody>
                <tr>
                 <td style="vertical-align:top;padding:0;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
                      <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
                       <p data-block-key="y963w">
                        <a>
                         <b>
                          Grab your Modern Investor Summit
ticket
                         </b>
                        </a>
                        <b>
                         to secure access to two days filled with expert investing insights, including:
                        </b>
                        <br/>
                        <br/>
                        🚀
                        <a>
                         The New Era of Investor Access Through Crypto Exchange-Traded Funds And Exchange-Traded Products
                        </a>
                        with Duncan Moir (president at 21shares): December 2nd, 5:45pm UK time
                       </p>
                       <p data-block-key="3f299">
                        👀
                        <a>
                         Opportunities Beyond
Stocks
                        </a>
                        with Scott Hardy (CEO at Trimaxian): December 3rd, 1:45pm UK time
                       </p>
                       <p data-block-key="5ll63">
                        🔐
                        <a>
                         Modern Protection For Crypto Investments
                        </a>
                        with Zac Townsend (CEO at Meanwhile): December 2nd, 5:00pm UK time
                       </p>
                      </div>
                     </td>
                    </tr>
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          <tbody>
           <tr>
            <td align="left" style="font-size:0px;padding:10px 25px;padding-right:0;padding-left:0;word-break:break-word;">
             <div style="font-family:Inter,sans-serif;font-size:14px;line-height:1.5;text-align:left;color:#000000;">
              Stay classy,
              <mj-raw>
               Sarah
              </mj-raw>
              😉 This issue of the Daily Brief was curated by
              <a style="color:inherit;font-weight:inherit">
               Naomi
              </a>
              and
              <a style="color:inherit;font-weight:inherit">
               Russell
              </a>
              . Got an idea? A question?
              <a>
               Get in touch
              </a>
              .
             </div>
            </td>
           </tr>
          </tbody>
         </table>
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               <tbody>
                <tr>
                 <td align="left" style="font-size:0px;padding:10px 25px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0px;word-break:break-word;">
                  <div style="font-family:Inter,sans-serif;font-size:14px;font-weight:bold;line-height:1.5;text-align:left;text-transform:uppercase;color:#030303;">
                   <mj-raw>
                    <span style="font-style:normal">
                     💌
                    </span>
                    <span style="font-style:italic">
                     THAT
WAS GREAT FOR US... HOW WAS IT FOR YOU?
                    </span>
                   </mj-raw>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
             </div>
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          <tbody>
           <tr>
            <td align="center" style="font-size:0px;padding:12px 5px;word-break:break-word;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;width:100%;line-height:100%;">
              <tbody>
               <tr>
                <td align="center" bgcolor="#f8f9ff" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#f8f9ff;" valign="middle">
                 <a style="display:inline-block;background:#f8f9ff;color:#030303;font-family:Inter,sans-serif;font-size:13px;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-transform:none;padding:10px 25px;mso-padding-alt:0px;border-radius:4px;" target="_blank">
                  <span aria-hidden="true" role="img">
                   🔥
                  </span>
                  Hot
stuff
                 </a>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
          <tbody>
           <tr>
            <td align="center" style="font-size:0px;padding:12px 5px;word-break:break-word;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;width:100%;line-height:100%;">
              <tbody>
               <tr>
                <td align="center" bgcolor="#f8f9ff" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#f8f9ff;" valign="middle">
                 <a style="display:inline-block;background:#f8f9ff;color:#030303;font-family:Inter,sans-serif;font-size:13px;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-transform:none;padding:10px 25px;mso-padding-alt:0px;border-radius:4px;" target="_blank">
                  <span aria-hidden="true" role="img">
                   👍
                  </span>
                  Just
alright
                 </a>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
          <tbody>
           <tr>
            <td align="center" style="font-size:0px;padding:12px 5px;word-break:break-word;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;width:100%;line-height:100%;">
              <tbody>
               <tr>
                <td align="center" bgcolor="#f8f9ff" role="presentation" style="border:none;border-radius:4px;cursor:auto;mso-padding-alt:10px 25px;background:#f8f9ff;" valign="middle">
                 <a style="display:inline-block;background:#f8f9ff;color:#030303;font-family:Inter,sans-serif;font-size:13px;font-weight:normal;line-height:120%;margin:0;text-decoration:none;text-transform:none;padding:10px 25px;mso-padding-alt:0px;border-radius:4px;" target="_blank">
                  <span aria-hidden="true" role="img">
                   😒
                  </span>
                  ...Meh
                 </a>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]>
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<table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600" bgcolor="#f8f9ff"><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;">
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    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#f8f9ff;background-color:#f8f9ff;width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-left:16px;padding-right:16px;text-align:center;">
        <!--[if mso | IE]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="" style="vertical-align:top;width:568px;">
<![endif]-->
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         <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="vertical-align:top;" width="100%">
          <tbody>
           <tr>
            <td align="left" style="font-size:0px;padding:0;padding-right:0;padding-bottom:0;padding-left:0;word-break:break-word;">
             <div style="font-family:Inter,sans-serif;font-size:12px;line-height:1.5;text-align:left;color:#5E6984;">
              <p data-block-key="vd1so">
               <b>
                *Surf Air Mobility’s Disclosures
               </b>
              </p>
              <p data-block-key="18qlp">
               Pursuant to an agreement between the Issuer’s Agency of
Record and (Finimize), (Finimize) has been hired for a period beginning on 09/05/2025 and ending on 12/16/2025 to publicly disseminate information about (SRFM:US) via digital communications.
              </p>
              <p data-block-key="1hq0n">
               Under this agreement, (Finimize) has been paid $40,000 USD (“Funds”). To date, including under the previously described agreement, (Finimize) has been paid $40,000 USD (“Funds”).
              </p>
              <p data-block-key="610ri">
               These Funds were part of the funds that (Finimize) received from the
Issuer’s Agency of Record as approved by the Issuer.. (Finimize) does not own securities or stock in the Issuer directly or indirectly.
              </p>
             </div>
            </td>
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        <!--[if mso | IE]>
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          <tbody>
           <tr>
            <td align="center" style="font-size:0px;padding:10px 25px;word-break:break-word;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-spacing:0px;">
              <tbody>
               <tr>
                <td style="width:140px;">
                 <a target="_blank">
                  <img alt="Finimize logo" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fchivas-assets.s3.eu-west-1.amazonaws.com%252Fstatic%252Fdaily-email%252Ffinimize-logo-outline.png%253Fixlib%253Dpython-3.1.2%2526s%253D5a5a7586391632ac0a5d5037142fa1ca/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NjIzMjk5NjYuMzE2MDE4M30:1vGYWs:etyP2_zL5izlsN6ytOGUQUMUzmlBAn7vO7g1ilIxjFA" style="border:0;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="140"/>
                 </a>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
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        <!--[if mso | IE]>
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<![endif]-->
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<![endif]-->
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    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#f8f9ff;background-color:#f8f9ff;width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:20px 0;padding-left:16px;padding-right:16px;padding-top:2px;text-align:center;">
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            <td align="center" style="font-size:0px;padding:0;word-break:break-word;">
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<![endif]-->
             <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="float:none;display:inline-table;">
              <tbody>
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