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   Daily Brew // Morning Brew // Update
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     Klarna's IPO is a big bet on AI workers...
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             March 17, 2025
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              Sponsored by
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               Good morning, and Happy St. Patrick’s Day!
              </strong>
              To celebrate, here’s a Morning Brew-related limerick that we wrote. It’s a type of poem that’s actually of English origin, but traces its name to Limerick in Ireland. OK, here goes:
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <em>
               There was a drained worker on staff
              </em>
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              <em>
               Who could hardly muster a laugh
              </em>
             </p>
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              <em>
               When we asked him why
              </em>
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             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <em>
               His passion ran dry
              </em>
             </p>
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              <em>
               He replied that he only drinks decaf
              </em>
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              <em>
              </em>
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Sláinte!
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              —
              <em>
               Dave Lozo, Holly Van Leuven, Neal Freyman
              </em>
             </p>
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              <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
               MARKETS: YEAR-TO-DATE
              </h3>
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                 <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYxMzc1OH0:1tu6ga:p31CLLicM5eM-NqIfqaUAFJ3N2NCd4qmWxEXaZXrv2M" style="width:22%" width="20"/>
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                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  17,754.09
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -8.06%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
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             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYxNjMxNn0:1tu6ga:cpD5Bv3i88a5aHLQFxPwPtC4GFZ__umanRKZEqdRYV4" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  S&amp;P
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  5,638.94
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -4.13%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYxODI2fQ:1tu6ga:2DdvkNBanvNUuMuicoLAy0wZbjzkT4-EeFwifHsL-gE" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  41,488.19
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -2.48%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
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             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYyMDA4NX0:1tu6ga:bs8NGM1dHaoC2HrGrWICbcrcxaFEDvflW-PPbHR86bA" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  4.308%
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -26.5 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <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="width:12%;text-align: center; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYyMTkxNn0:1tu6ga:fB01kzFxSwTuyzUsolgANCeUWtHKcLQ8k_KJDmqLEL4" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $82,584.26
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #FFB3B3; background-color: rgba(255, 3, 3, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     -11.61%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Philip Morris -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <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="width:12%;text-align: center; 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYyMzcxfQ:1tu6ga:TrYXbrO6772iwMgiRjff-nEZDB-RmZeaFrtBl1hGJgA" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Philip Morris
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $151.88
                 </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;width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +26.20%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Philip Morris -->
            <!-- START REGULAR TEXT -->
            <tr>
             <td style="padding: 3px 15px 10px 15px">
              <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 class="" 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYyNjA5OH0:1tu6ga:JappgKGvaE_oVAnnbEllIewC5oLvjVu2RHmXK5ToyAI" style="height: 16px; display:inline; vertical-align:middle"/>
                 </a>
                </td>
               </tr>
              </table>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;padding: 0; margin: 0; text-align: left; font-size: 13px;">
               *Stock data as of market close, cryptocurrency data as of  8:00pm ET.
               <a class="link-sm" rel="noopener" style="border-bottom:1px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
             </td>
            </tr>
            <!-- END REGULAR TEXT -->
            <tr>
             <td style="padding: 0px 15px; mso-padding-alt: 0px 15px 15px 15px;">
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 Stocks rallied on Friday, but the bruised-up market is coming off its worst week since 2023 and has
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  dropped
                 </a>
                </span>
                <span>
                 to near six-month lows. There’s no rest for the weary—the upcoming week could bring more volatility with a Fed meeting, key retail sales numbers, and more earnings on tap.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Stock spotlight:
                 </strong>
                </span>
                <span>
                 One of the few stocks having a good year is Philip Morris. The tobacco giant is
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  lapping
                 </a>
                </span>
                <span>
                 the S&amp;P 500 thanks to booming sales of its Zyn nicotine pouches.
                </span>
               </li>
              </ul>
              <div style="display:none;">
              </div>
             </td>
            </tr>
            <tr>
             <td style="padding: 0px 20px; mso-padding-alt: 0px 20px 15px 20px;">
             </td>
            </tr>
           </table>
          </th>
         </tr>
        </table>
        <!--[if !mso ]><! -- -->
       </div>
      </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="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px">
          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            TECH
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <div class="title-container" style="padding:0 15px 0px 15px">
               <h1 class="story-title" style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px;color:#000">
                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 Klarna to IPO in big bet on AI workers
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px;">
              <a style="text-decoration:none;border:none;" target="_blank">
               <img alt="Klarna CEO Sebastian Siemiatkowski in front of two pink pedicabs" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F0d88c11c2eeddfe36953915ebcb1228b40f6df6c-4525x3012.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYyODF9:1tu6ga:GTLSqQxFZhQfFnQCzCtyUxND2VzKIRIfkWSD5Ya75gc" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              </a>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                  Klarna CEO Sebastian Siemiatkowski at a London event in 2019. Dave Benett/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;padding-bottom: 0;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Klarna, the buy now, pay later giant, is the first group of Swedes asking you to take a chance on them since 1977.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  It filed paperwork
                 </a>
                 on Friday afternoon to go public on the New York Stock Exchange in what will be one of the most anticipated IPOs of the year. “You’re not just investing in a company—you’re investing in a new era of finance,” CEO Sebastian Siemiatkowski pitched to prospective investors in the filing. It’s not his first splashy statement; he’s been radically candid about his belief that AI will replace the entire human workforce.
                </p>
                <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
                 Bill Lumbergh would ask, “Is this good for the company?”
                </h2>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Co-founded by Siemiatkowski under a different moniker in 2005, Klarna became a household name during the pandemic, when BNPL met the moment to support lockdown-induced online shopping. But like its tech peers, Klarna suffered from rising interest rates and the world reopening. In 2022, it raised funding at a $6.5 billion valuation, an 85% plunge from the $45.6 billion it was valued at the year before.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Things have been trending up since then, with revenue growing 24% in 2024, a year in which it was also profitable. It’s aiming for a $15 billion valuation with its IPO, which will test investors’ faith in AI transforming workplaces.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  What prompted this:
                 </strong>
                 Late in 2022, Siemiatkowski started playing around with ChatGPT and became enamored of it, telling OpenAI CEO Sam Altman that he wanted Klarna to be Altman’s “favorite guinea pig.” Siemiatkowski had 14 AI initiatives running across the business by 2023.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 A former Klarna manager
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  suggested to the New York Times
                 </a>
                 that this narrative around AI was more gimcrack than genius: Losing staff could be spun positively if it seemed like the company had figured out automation.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 But Siemiatkowski insists this is the real deal. In February, Klarna said its AI assistant can do the equivalent work of 700 full-time customer service agents.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  Check the math.
                 </strong>
                 The company experiences 20% natural attrition per year, Siemiatkowski said, and those jobs are not refilled by humans. At Klarna’s peak, it had 5,000 employees. Now, it has about 3,500, and the CEO ultimately wants to get down to 2,000.—
                 <em>
                  HVL
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
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      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
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          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0;text-transform:uppercase;">
            Sponsored by Apple Card
           </h3>
          </div>
          <div class="title-container" style="padding:0 15px 0px 15px">
           <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
            <a style="color:#000!important;text-decoration:none;border-bottom:none!important;" target="blank">
             <strong style="color:#000">
              Play your cards right
             </strong>
            </a>
           </h1>
          </div>
          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <img alt="Apple Card" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F5710b61c32d998b79f840aee76b832991712c6d5-2000x1500.png%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzMDAwOH0:1tu6ga:l8vaiOgvB-K_nyRw3xSuQo57fADjhQGy-kgYO6UpJ5g" style="padding-top:15px;display:block;width:100%;max-width:670px;" width="670"/>
          </a>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
           <tr>
            <td class="sponsored-body content-container story-content" style="padding:15px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Picture a card with
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               no fees
              </a>
              that lets you earn up to 3% unlimited Daily Cash. It also fits snugly in the confines of an iPhone.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Sound like a dream? Apple Card makes it a dream come true.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Apple Card eliminates fees and allows you to earn up to 3% Daily Cash on
              <em>
               all
              </em>
              purchases (which you can
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               start using immediately with Apple Pay
              </a>
              ).
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              You can also open a
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               high-yield Savings account
              </a>
              through Apple Card and automatically earn interest on your Daily Cash.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Yep, bring on the benefits.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Apply for Apple Card and see your credit limit offer.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <em>
               Terms apply. Savings provided by Goldman Sachs Bank USA. Member FDIC.
              </em>
             </p>
            </td>
           </tr>
          </table>
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       <!--[if !mso ]><! -- -->
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           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            WORLD
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                 Tour de headlines
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              <img alt="Four astronauts before take-off " src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F97fdc23d035e57e7f02db61f812f5c84710acb12-3100x2081.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzMTkyM30:1tu6ga:03Hpzrv2Y5uRujUB5avo4gHtkbMGaJM2opHksLTleeI" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                  These astronauts arrived at the ISS early Sunday. Gregg Newton/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;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Frocket_1f680.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzMzYyN30:1tu6ga:D0JuIMM05CdPWX_UZlJyedyS68FgArw-T_KGu6HOAXE" style="max-width:18px" width="18"/>
                 <strong style="color:#000">
                  The stranded astronauts’ long, long time in space is almost over.
                 </strong>
                 A SpaceX Crew Dragon arrived at the International Space Station early Sunday morning with two new NASA astronauts, a Japanese astronaut, and a Russian cosmonaut,
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  clearing the way
                 </a>
                 for Butch Wilmore and Suni Williams to head home, perhaps later this week. NASA insists that the pair has not been stranded this whole time, but instead that they were intentionally kept hanging for technical and budgetary reasons. Speaking of budget, Wilmore and Williams apparently will get no overtime or compensation above and beyond their usual salary for the extra months spent working from space, according to a retired astronaut familiar with the government’s terms. Who could blame them if they start thinking about NASA as just their job five days a week?
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fbroken-heart_1f494.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzNTQyNX0:1tu6ga:ynwoNdYKGXKiKkbqbIrX8ochd2Vh42kqSzap2ROsj4o" style="max-width:18px" width="18"/>
                 <strong style="color:#000">
                  Severe weekend storms cause devastation in multiple states.
                 </strong>
                 At least 37 fatalities occurred across Missouri, Alabama, Arkansas, Kansas, Oklahoma, Mississippi, and Texas over the weekend following
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  wildfires, dust storms, and tornadoes
                 </a>
                 in a significant portion of the country. California experienced heavy rain and winds, and a Los Angeles neighborhood experienced a tornado. Three people were killed in a dust storm in Amarillo, TX, on Friday, the same day high winds caused a 50-vehicle pileup in Kansas that killed eight. Tornadoes in Missouri killed at least 12 people. President Trump posted on Truth Social yesterday that he was ready to assist state and local officials impacted by the storms, which his administration was monitoring.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fclassical-building_1f3db.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzNzE0NH0:1tu6ga:bDazzsRIOHYjwPERvtlXxEKe-wfL5sKoUHKVJd0V53Y" style="max-width:18px" width="18"/>
                  Trump administration ignores federal judge’s order to turn around deportation flights.
                 </strong>
                 On Friday night, President Trump signed an executive order
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  invoking the Alien Enemies Act
                 </a>
                 in response to “the Invasion of The United States by Tren De Aragua,” according to the EO. Use of the wartime law, which gives the president the right to deport noncitizens without a judicial hearing, has little precedent in peacetime. The administration did not want to publicize the order, but when it leaked on Saturday morning, officials hurried to get planes containing 261 alleged members of the Venezuelan gang in the air. US District Judge James Boasberg ordered the deportations to halt and any midair flights to turn around. A senior White House official told Axios that the administration ignored the order because the planes were already in international airspace. They ultimately landed in El Salvador, where President Nayib Bukele had agreed to accept them. The White House later clarified that
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  137 immigrants
                 </a>
                 were deported under the Alien Enemies Act and the rest were removed under other federal laws.—
                 <em>
                  HVL
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- 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%">
        <tr>
         <td class="card" style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px">
          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            AVIATION
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <div class="title-container" style="padding:0 15px 0px 15px">
               <h1 class="story-title" style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px;color:#000">
                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 Spirit is picking a fight with Southwest
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px;">
              <a style="text-decoration:none;border:none;" target="_blank">
               <img alt="a Spirit Airlines plane and a Southwest Airlines plane" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fde23c48f83317b78417965eb0a60c2c1cc708e93-5760x3840.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjYzODkwOH0:1tu6ga:M_g9JbzPqLdEpFcefLAXdTbgN52eKayho8yrg4M3D8o" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              </a>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                  Boarding1now/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;padding-bottom: 0;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Spirit Airlines, the carrier you’re always surprised to learn is still in business, emerged from bankruptcy last week and is targeting what it views as the most vulnerable of its fellow budget carriers—Southwest Airlines.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 That was the tone Spirit CEO Ted Christie struck during an
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  interview
                 </a>
                 with CNBC last week, when he said his fleet is ready to “take advantage” of Southwest’s recent decision to begin charging checked-bag fees. That move was so poorly received that Southwest’s rebuttal was essentially, “Hey, at least it wasn’t as bad as the
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  most lopsided trade
                 </a>
                 in NBA history.”
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Despite the big talk from Christie, Spirit has work to do to surpass Southwest:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   According to Flights From, Southwest averages ~3,600 flights per day; Spirit averages ~700 per day, so this is like your local microbrewery finally getting back on solid financial footing and immediately declaring war on Coors.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   However, Spirit competes directly with Southwest in multiple markets—Kansas City, Nashville, Columbus, and Milwaukee. If the yellow airline that charges for everything can make a dent, that’s where it would start.
                  </span>
                 </li>
                </ul>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  In the meantime
                 </strong>
                 …Spirit’s immediate focus is returning to profitability, and, in all likelihood, awaiting another
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  merger proposal
                 </a>
                 from Frontier.
                 <em>
                  —DL
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- 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 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0;text-transform:uppercase;">
            Together With CIT Bank
           </h3>
          </div>
          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <img alt="CIT Bank" class="sponsored-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fac63ee3f980fca8d1f0ebae5c811b196d102175f-1000x750.png%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjY0MDgzN30:1tu6ga:Xbt1Itc6VDkL9wE6IC5qcCIZw0u65mDDB1tPAy7qiWw" style="padding-top:15px;display:block;width:100%;max-width:670px;" width="670"/>
          </a>
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            <td class="sponsored-body content-container story-content" style="padding:15px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <strong style="color:#000">
               Follow the money
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Frainbow_1f308.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY0MzEyMX0:1tu6ga:t7ng4mbWrnwYM5JhBK36Nz3UW7svyupQarCjUKIac_M" style="max-width:18px" width="18"/>
               .
              </strong>
              If you’ve been building your own li’l pot of gold,
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               CIT Bank
              </a>
              wants to add to it. For a limited time, get up to $300 with a qualifying deposit
              <sup>
               1
              </sup>
              to CIT Bank’s fee-free Platinum Savings account. And with a 4.30% APY
              <sup>
               2
              </sup>
              on balances $5,000+, the $$$ keeps coming.
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Just enter code PS2025 at sign-up
              </a>
              .
             </p>
            </td>
           </tr>
          </table>
         </td>
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       </table>
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      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
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        <tr>
         <td class="card" style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px">
          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            CALENDAR
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <div class="title-container" style="padding:0 15px 0px 15px">
               <h1 class="story-title" style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px;color:#000">
                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 The week ahead
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px;">
              <img alt="basketballs on a rack " src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F1e946eb28ca8bb0a8eeb9acbd183b467f8dd31ec-6000x4000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjY0NTA4fQ:1tu6ga:LEqC23RWEFUx0ydOVDQ65kEj6d8bgft4kUhyYCAk75w" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                  John Fisher/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;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  The
                  <del>
                   best excuse to slack off at work
                  </del>
                  NCAA tournament begins this week:
                 </strong>
                 It’s time to close those spreadsheets, open those brackets, and form intense opinions of colleges you only learned about earlier in the day. The First Four games—the ones that technically count but delay your ability to fill out a bracket—take place tomorrow and Wednesday for the men and Wednesday and Thursday for the women. The portion of the tournaments that have you hiding the action on your second screen from your boss begins on Thursday for the men’s side and Friday for the women’s.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  Baseball season begins with Shohei Ohtani in Japan:
                 </strong>
                 Think of it as the soft launch of the 2025 MLB season—the Cubs and Dodgers will play two games tomorrow and Wednesday at the Tokyo Dome to open the season, but then, the regular season won’t resume until March 27. The Cubs–Dodgers games will be a prework treat on the East Coast, with the first pitch scheduled for just after 6am ET on Fox tomorrow and FS1 Wednesday. To give you an idea of Ohtani’s popularity in his home country,
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  tickets
                 </a>
                 are going for as much as $2,000.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  The beleaguered
                  <em>
                   Snow White
                  </em>
                  live-action adaptation will hit theaters on Friday:
                 </strong>
                 The film has been at the center of the culture wars since 2022, when star Rachel Zegler first defended the progressive tone of the remake, leading to endless derogatory labels of “woke” from critics. Zegler has also caught online heat for supporting Palestine and blasting President Trump, while Israeli costar Gal Gadot has drawn her share of social media ire for publicly supporting her native country’s role in the war in Gaza. It’s all led to Disney scaling back marketing efforts and limiting red-carpet access to the film’s premiere,
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  according
                 </a>
                 to The Hollywood Reporter.
                </p>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  Everything else…
                 </strong>
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   US retail sales numbers will be released this morning at 8:30am ET.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   CEO Jensen Huang will give the keynote address at Nvidia’s GPU Technology Conference on Tuesday.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   On Thursday, earnings are coming from Nike and FedEx, the latter serving as a bellwether for the economy.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   A federal judge is expected to rule this week on the legality of the Trump administration’s executive order banning transgender people from the military.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   The Federal Reserve will issue an update after its meeting concludes on Wednesday, but no changes to interest rates are expected.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   Spring, and probably your allergy issues, will begin on Thursday.
                  </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%">
        <tr>
         <td class="card" style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px">
          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            STAT
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="story-content">
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              <div class="title-container" style="padding:0 15px 0px 15px">
               <h1 class="story-title" style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px;color:#000">
                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 Prime number: Getting into law school
                 <i>
                  is
                 </i>
                 hard
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px;">
              <img alt="Austin Hall at Harvard Law School" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F32ba27c43538253a378d2f692fc190561b893c63-6000x4000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjY0Njk3fQ:1tu6ga:785Tz1PRrrWHLB9bJ1HxWqKSjcpNMThC5MmeyFX5aPM" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                  Ucg/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;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Is it the
                 <em>
                  Franklin &amp; Bash
                 </em>
                 effect? The staying power of
                 <em>
                  Suits
                 </em>
                 ? Whatever the explanation, the number of people applying to law schools in the US has reached nearly unprecedented levels this year—per the Wall Street Journal,
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  applications
                 </a>
                 are up 20.5% over last year, with two schools in particular being cited for their popularity among the next generation of litigators:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   Georgetown Law has received 14,000 applications to fill 650 spots.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   University of Michigan Law School has been flooded with the most applications in its 166-year history.
                  </span>
                 </li>
                </ul>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Reasons other than the impact of Harvey Specter for the surge in law interest include a perception that legal work is more immune from encroaching AI, starting salaries of $225,000 at many firms, economic conditions, and the public’s heightened focus on legal issues.
                 <em>
                  —DL
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
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           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0;text-transform:uppercase;">
            Together With Golf Digest
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              Whether you’ve been playing for years or you’re just starting, Golf Digest’s aim is to enhance the enjoyment of all facets of the game—making its
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              better players, smarter consumers, and more discerning travelers while offering informative and provocative stories that fuel the unending conversation that is golf. Sign up for these
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           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            NEWS
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                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 What else is brewing
                </a>
               </h1>
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                <ul style="margin-top:0;padding-left:30px">
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                    Canada is reconsidering
                   </a>
                  </span>
                  <span>
                   its plan to spend billions of dollars on American-made F-35 jets in response to the tariffs fracas.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                    Starbucks must pay
                   </a>
                  </span>
                  <span>
                   a $50 million judgment to a California man who was severely burned by coffee at a location’s drive-thru.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                    Amazon Echo
                   </a>
                  </span>
                  <span>
                   will send all voice recordings to the cloud starting on March 28, as the company decided to “no longer support” a privacy feature of the smart speakers and displays.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                    President Trump ordered
                   </a>
                  </span>
                  <span>
                   a military strike against Houthi fighters in Yemen. Defense Secretary Pete Hegseth said the US would keep hitting Houthis until they stopped attacking ships in the Red Sea.
                  </span>
                 </li>
                 <li style="line-height:22px;margin-bottom:10px">
                  <span>
                   <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                    A fire at a nightclub
                   </a>
                  </span>
                  <span>
                   in North Macedonia left at least 59 dead and more than 150 injured.
                  </span>
                 </li>
                </ul>
               </td>
              </tr>
             </table>
            </td>
           </tr>
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         </td>
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           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            RECS
           </h3>
          </div>
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           <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1MDc1NX0:1tu6ga:4JhUcnZyen1hzilttinv1L2xVOu_6tB0EkitMhYJ7Eo" style="display: block; width: 100%; max-width: 670px;" width="670"/>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin: 0; padding: 0;">
               <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
                <small>
                 <em>
                 </em>
                </small>
               </span>
              </p>
             </div>
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                <div>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1MjUwM30:1tu6ga:QmY15VznYN_nd2umgN9hDX6geb0QyEYNSSU5rLWP0p0" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Decorate:
                  </strong>
                  For less than $20, make your home look instantly
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   more put together.
                  </a>
                  **
                 </p>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1NDI5OH0:1tu6ga:n-2tkmBkt-U9lgOdqjWnrlzYzXDECMUoTHnR3EB2Po0" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Learn:
                  </strong>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   How to pour
                  </a>
                  the perfect pint of Guinness.
                 </p>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1NjAzMn0:1tu6ga:RTxmrHTbjzSf85JvzBdJVq1VZKsTGBuzQD2Foybb5_0" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Watch:
                  </strong>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   <em>
                    Shoresy
                   </em>
                   on Hulu
                  </a>
                  , a Canadian hockey comedy.
                 </p>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1ODF9:1tu6ga:0K5VUAGJrY_kmFqJ8xBF81qiva2DYPKsyDedCV7NrFU" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Buy:
                  </strong>
                  Rep the Brew with
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   these new crew socks
                  </a>
                  .
                 </p>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY1OTg3N30:1tu6ga:uUN3rvUhGyNCD7fGhw3Iw1XZhVl-VqkyBwmeGhnQe70" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Quality, personalized wine:
                  </strong>
                  Get
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   6 wines for 50% off
                  </a>
                  from Firstleaf, the wine club that curates bottles to your palate preferences. Snag free shipping, too.
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   Today only
                  </a>
                  .*
                 </p>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NDIyMDMzODQuNjY4MDEzM30:1tu6ga:ZbTaWLPhRAzElaSJM7VfKvF66FRbeQK5VRDq8D0g7Tg" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Work smart:
                  </strong>
                  Whether you’re hustling through entry-level gigs or climbing toward the C-suite, it’s important to
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   plan for your financial future
                  </a>
                  . We partnered with SmartAsset to learn how financial advisors can
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   impact your lifetime earnings
                  </a>
                  .*
                 </p>
                 <placementslot data-id="6e6a6d5f036f">
                 </placementslot>
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                  <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>
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       </table>
       <!--[if !mso ]><! -- -->
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      <!--[if !mso ]><! -- -->
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       <!-- <![endif]-->
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        <tr>
         <td class="card" style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px">
          <div class="tag-container" style="padding:15px 15px 0 15px">
           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            GAMES
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="card-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <div class="title-container" style="padding:0 15px 0px 15px">
               <h1 class="story-title" style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px;color:#000">
                <a style="color:#000;text-decoration:none;border-bottom:none" target="_blank">
                 The puzzle section
                </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;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 <strong style="color:#000">
                  Turntable:
                 </strong>
                 Yeehaw—grab your coffee and do-si-do through your favorite Monday puzzle. Spin those letters ’round and ’round.
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  Play Turntable here
                 </a>
                 .
                </p>
                <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
                 St. Patrick’s Day trivia
                </h2>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                 Guinness’s logo contains an instrument, which faces right instead of left to be distinct from the Irish coat of arms. What is it?
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
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       <!--[if !mso ]><! -- -->
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           <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
            SHARE THE BREW
           </h3>
          </div>
          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="card-content">
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px;">
                <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333;border-bottom-width:2px;border-bottom-style:solid;border-bottom-color:#1c7ff2;text-decoration:none;color:#252525;" 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="line-height:22px;margin-top:0;margin-bottom:15px;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 class="">
                 <p style="line-height:22px;margin-top:0;margin-bottom:15px;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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NDIyMDMzODQuNjY4NDk5Mn0:1tu6ga:qwCz8m33llvTFUS-EiDtTp_JxjiSe4tDHIh1F4V1KOQ" style="display:block;width:100% !important;max-width: 640px; width: 100%;" width="640"/>
                 </p>
                </a>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
                 <b>
                  Your referral count:
                 </b>
                 0
                </p>
                <a class="stb-btn" style="margin-top:inherit !important;margin-bottom:inherit !important;margin-right:inherit !important;margin-left:inherit !important;width:100%;max-width:150px;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#ffffff;font-weight:900;text-decoration:none;text-align:center;background-color:#1c7ff2;padding-top:15px;padding-bottom:15px;padding-right:15px;padding-left:15px;border-radius:4px;display:block;">
                 Click to Share
                </a>
                <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-top:15px;margin-bottom:15px;line-height:22px;">
                 Or copy &amp; paste your referral link to others:
                 <br/>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333;border-bottom-width:2px;border-bottom-style:solid;border-bottom-color:#1c7ff2;text-decoration:none;color:#252525;" target="_blank">
                  morningbrew.com/daily/r/?kid=979c4554
                 </a>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
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            ANSWER
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                 The harp
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                  Word of the Day
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                 Today’s Word of the Day is: gimcrack, meaning “a flashy but valueless object.” Thanks to Pat Saviano from Connecticut and the other minimalists who made this suggestion. Submit another
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               ✳︎ A Note From CIT Bank
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              1. This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to new and existing customers who meet the Platinum Savings promotion criteria. The promotion begins on February 26, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met.
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               Click here
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              2. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs (annual percentage yields) are accurate as of February 26, 2025: 0.25% APY on balances of $0.01 to $4,999.99 and 4.30% APY on balances of $5,000.00 or more. Interest rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
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