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   Plus, not one, but two defaults |
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                               TOGETHER WITH
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                   Hi Sarah, here's what you need to know for
                   <strong>
                    September 30th
                   </strong>
                   in
                   <strong>
                    3:14 minutes
                   </strong>
                   .
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                     A threesome of little-known Chinese stocks has turned out some of the best performances of the year so far
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                    <span class="font-normal" style="font-weight: 400;">
                     This little-known genius predictor of stock market returns is looking ominous –
                     <a class="text-primary underline font-medium" style="font-weight: 500; color: #204CE9; color: rgba(32, 76, 233, 1); text-decoration: underline;">
                      Read Now
                     </a>
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                     Two auto companies just went bankrupt, sending shivers down the private credit market’s proverbial spine
                    </span>
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                     💸 Your ultimate goal is to make money. So here you go: join us for
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                      The New Rules of Investing
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                     later today, and find out how tax-efficient tools can help you cut costs, compound earlier, and bring your financial goals closer.
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                      Grab your free ticket
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               Optical Illusion
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              </h4>
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              </p>
              <p data-block-key="8bxk2" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What’s going on here?
               </b>
              </p>
              <p data-block-key="6givd" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Three Chinese “optical transceiver” makers have put on a dizzying performance this year, showing off stock prices that look practically unreal.
              </p>
              <p data-block-key="828s1" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                What does this mean?
               </b>
              </p>
              <p data-block-key="7t18t" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               🔺 Shares in Chinese firms
               <b>
                Zhongji Innolight
               </b>
               ,
               <b>
                Eoptolink
               </b>
               , and
               <b>
                Suzhou TFC
               </b>
               have picked up by more than
               <b>
                150%
               </b>
               so far this year.
              </p>
              <p data-block-key="60gln" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Optical transceivers are more self-explanatory than you’d think: they’re tiny devices that send and receive data via light, allowing individual chips to talk to each other. The gizmos help turn a bunch of fancy semiconductors into working “clusters” that run AI systems. And with more of those being set up all the time, demand for optical transceivers has risen – by a lot. That explains why those Chinese firms pocketed 125% more profit last quarter than the same time last year.
              </p>
              <p data-block-key="5o8do" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ⚠️ Here’s the catch: the firms’ valuations are now well above their five-year averages. And to keep that up, the threesome needs those orders to keep rolling in thicker and faster all the time.
              </p>
              <p data-block-key="6toa8" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                Why should I care?
               </b>
              </p>
              <p data-block-key="1skii" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 For markets:
                </i>
               </b>
               <i>
                One man’s trash…
               </i>
              </p>
              <p data-block-key="5qot2" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               China’s stock market – once labeled “uninvestable” – has pulled off a $2.7 trillion rally this year, largely thanks to the country’s buzzing tech industry.
              </p>
              <p data-block-key="fmi7t" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ▶ And because global funds are still relatively light on Chinese assets, they could easily move more money into the country and stoke the rally further.
              </p>
              <p data-block-key="77qnv" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ▶ That’s not unlikely. Investors (both retail and institutional) are diversifying away from dollar-denominated assets, scared off by US debt, interest rate cuts, and trade frictions.
              </p>
              <p data-block-key="4epj3" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 The bigger picture:
                </i>
               </b>
               <i>
                Do you want your cash now or (maybe) later?
               </i>
              </p>
              <p data-block-key="1vji4" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               US tech stocks are expensive: that’s a fact. So understandably, antsy investors are pressuring American firms to turn their AI spending into revenue. Meanwhile, China’s “Tech 10” – including Alibaba, Tencent, BYD, and Baidu – have already reported profit increases linked to AI. Plus, the government’s price war crackdown has reinforced their profit margins. And yet, they’re still about 50% cheaper than US rivals…
              </p>
              <p style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
              </p>
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               <b>
                You might also like:
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               <a style="color: #204CE9; color: rgba(32, 76, 233, 1); text-decoration: underline; font-weight: 500;">
                China’s stocks are booming - but its economy isn’t
               </a>
               .
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                  <strong>
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                  <a class="text-black60 font-normal" style="text-decoration: underline; font-weight: 400; color: #71767B; color: rgba(113, 118, 123, 1);" target="_blank">
                   https://app.finimize.com/content/optical-illusion
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                         <span style="font-family: Helvetica, Arial, sans-serif; font-size: 12px; font-weight: bold; color: #E6F14A; display: inline-block;">
                          FROM OUR RESEARCH DESK
                         </span>
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                         <h2 style="font-weight: 700; line-height: 1.25; margin-bottom: 16px; font-size: 24px; color: #FFFFFF; margin: 0 0 4px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; margin-top: 0;">
                          Why This Secret Indicator Predicts A Lost Decade For Stocks
                         </h2>
                         <p style="line-height: 1.5; margin-top: 0; margin-bottom: 16px; font-family: Helvetica, Arial, sans-serif; font-size: 14px; color: #FFFFFF; margin: 0;">
                          Stéphane Renevier, CFA
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                      <img alt="Why This Secret Indicator Predicts A Lost Decade For Stocks" 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%252FInsight-290925-LostDecade.original.jpg%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D649029e50534dc74625b8b6bad815d6e/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NTkyMTk1MDguNzgxNTExM30:1v3VMC:9VPsxOFVKKVYQ0e-CqQlYq0bCIaVSqCqA6cm1pgbkLg" style="max-width: 300px; border-radius: 4px;" width="300"/>
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                     <p data-block-key="xjbe2" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; color: #fff; color: rgba(255, 255, 255, 1);">
                      I’ve got a soft spot for a certain obscure (and criminally underrated) market model that predicts long-term stock returns with
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       uncanny accuracy
                      </a>
                      .
                     </p>
                     <p data-block-key="22jrm" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; color: #fff; color: rgba(255, 255, 255, 1);">
                      And right now, it’s flashing its
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       loudest warning ever
                      </a>
                      .
                     </p>
                     <p data-block-key="6mp1s" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; color: #fff; color: rgba(255, 255, 255, 1);">
                      Here’s what this genius, little-known indicator is
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       trying to tell you
                      </a>
                      .
                     </p>
                     <p data-block-key="4p3ie" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; color: #fff; color: rgba(255, 255, 255, 1);">
                      That’s today’s Insight:
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       why this little-known indicator is predicting a lost decade for stocks
                      </a>
                      .
                     </p>
                     <p data-block-key="73u82" style="font-size: 16px; line-height: 1.5; font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0; color: #fff; color: rgba(255, 255, 255, 1);">
                      <a style="color: inherit; text-decoration: underline; font-weight: inherit;">
                       <b>
                        Read or listen to the Insight here
                       </b>
                      </a>
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                  <h4 data-block-key="15ymb" style="font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; font-weight: 700; line-height: 1.25; margin-bottom: 16px; color: #171E27; color: rgba(23, 30, 39, 1); font-size: 20px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; margin-top: 0;">
                   <b>
                    This basket puts the “magnificent” in “Magnificent Seven”
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               Breakdown Cover
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               <b>
                What’s going on here?
               </b>
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               Two auto companies suddenly filed for bankruptcy, forcing shaken investors to take a reluctant look under the private credit market’s hood.
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               <b>
                What does this mean?
               </b>
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               Auto parts producer
               <b>
                First Brands
               </b>
               filed for bankruptcy protection on Sunday, after falling behind on payments for its more than $10 billion of debt. And earlier this month,
               <b>
                Tricolor Holdings
               </b>
               – which lends money to folks looking to buy a ride – went under, too.
              </p>
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               ⚠️ Most of their loans were from private lenders. That’s why these two bankruptcies have panicked the private credit market, with investors worried that more defaults could follow.
              </p>
              <p data-block-key="6tqei" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               ▶ That’s not all: nearly one in ten privately monitored loans (tracked by credit rating agency Fitch) were in default in July, meaning lots of borrowers are missing payments.
              </p>
              <p data-block-key="5eobq" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                Why should I care?
               </b>
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               <b>
                <i>
                 Zooming in:
                </i>
               </b>
               <i>
                Paint won’t cover these cracks.
               </i>
              </p>
              <p data-block-key="5llej" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Lending to private companies – even investment-grade ones – is usually a lot riskier than lending to the US government. But the difference in returns between the two is now the smallest since 1998: just 0.74 percentage points. In other words, traders are barely being paid for the additional risk they’re taking on.
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               Yet, investors are still handing companies cash: they bought a record $210 billion of bonds this month from firms with top credit ratings. See, folks are expecting more interest rate cuts, which would push yields on future bond yields down – so they’re rushing to lock in higher returns while they can.
              </p>
              <p data-block-key="9oc6" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               <b>
                <i>
                 The bigger picture:
                </i>
               </b>
               <i>
                You might be on the hook next time.
               </i>
              </p>
              <p data-block-key="6or4c" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
               Private loans are harder to value and trade than stocks and bonds, and often more expensive to hold. Historically, major Wall Street firms were the only ones trusted with them. But now, ETFs and 401(k) retirement plans have brought everyday investors into the fold. So a string of defaults wouldn’t only trickle down from the top: it’d affect households directly from the jump.
              </p>
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                You might also like:
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                There’s a silent shift happening in your 401(k)
               </a>
               .
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                  QUOTE OF THE DAY
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                  "The hardest thing is to take less when you can get more."
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                  – Kin Hubbard (an American cartoonist and humorist)
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                      <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;" target="_blank">
                       <img alt="" 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%252Ffreetradeevent32.original.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253D1f0bf8985db363b36e2188b6e4f5dbbe/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NTkyMTk1MDguNzgxODg5N30:1v3VMC:gNGpjSV_OMczi2IbCkTahGv3q5sNXy7HR8C31Ax0wmA" style="border:0;border-radius:6px;display:block;outline:none;text-decoration:none;height:auto;width:100%;font-size:13px;" width="568"/>
                      </a>
                     </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><tr><td class="" width="600px" ><table align="center" border="0" cellpadding="0" cellspacing="0" class="" role="presentation" style="width:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 16px;padding-top:0;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:0;word-break:break-word;">
                  <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                   <p data-block-key="unklf" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                    <b>
                     You – yes, you – put your hand up if you love making money.
                    </b>
                    (Promise, no one on the subway cares.)
                   </p>
                   <p data-block-key="1bdgt" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                    Put your hand
                    <i>
                     down
                    </i>
                    if you also love paying tax.
                   </p>
                   <p data-block-key="39ja" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                    Everyone with your hand up, grab a free ticket to our
                    <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                     The New Rules of Investing
                    </a>
                    event on September 30th. You’ll find out how to
                    <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                     maximize your portfolio’s returns while minimizing your tax payments
                    </a>
                    .
                   </p>
                   <p data-block-key="812m9" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
                    Oh, and put your hand down. We fibbed: everyone’s looking at you.
                   </p>
                  </div>
                 </td>
                </tr>
                <tr>
                 <td align="left" style="font-size:0px;padding:16px 0 0 0;word-break:break-word;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate;line-height:100%;">
                   <tbody>
                    <tr>
                     <td align="center" bgcolor="#204CE9" role="presentation" style="border:1px solid #FFFFFF;border-radius:24px;cursor:auto;mso-padding-alt:10px 25px;background:#204CE9;" valign="middle">
                      <a style="display: inline-block; background: #204CE9; color: #ffffff; font-family: Helvetica, Arial, sans-serif; font-size: 14px; font-weight: 700; line-height: 120%; margin: 0; text-decoration: none; text-transform: none; padding: 10px 25px; mso-padding-alt: 0px; border-radius: 24px;" target="_blank">
                       Grab Your Free Ticket
                      </a>
                     </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="flexi_content_6-outlook content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="flexi_content_6 content" 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: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:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 16px;text-align:center;">
             <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="br-6-outlook" style="vertical-align:top;width:568px;" ><![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix br-6" style="border-radius: 6px; border: 2px solid black; 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:25px;padding-top:16px;padding-bottom:16px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                       <p class="content-box-header mb-4" style="line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; font-weight: 900; font-size: 16px; margin-bottom: 16px;">
                        🎯 On Our Radar
                       </p>
                       <p data-block-key="wnzwo" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        1.
                        <b>
                         Now that’s a sniff test.
                        </b>
                        Secure a scent for the next year with these
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         perfume advent calendars
                        </a>
                        .
                       </p>
                       <p data-block-key="hio9" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        2.
                        <b>
                         Turn the camera off.
                        </b>
                        Turns out
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         sharks are freakier
                        </a>
                        than we gave them credit for.
                       </p>
                       <p data-block-key="efj43" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
                        3.
                        <b>
                         Quick, book a dance class.
                        </b>
                        Bad Bunny is your
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         Super Bowl headliner.
                        </a>
                       </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="content-outlook text_promo_7-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="content text_promo_7" 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:16px 0 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:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 16px;padding-bottom: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;word-break:break-word;">
                  <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                   <span style="display: inline-block; background-color: #4AF1E7; padding: 2px 8px 2px 4px; transform: skew(-15deg); -webkit-transform: skew(-15deg); -ms-transform: skew(-15deg);">
                    <span style="display: inline-block; transform: skew(15deg); -webkit-transform: skew(15deg); -ms-transform: skew(15deg);">
                     <span class="text-heading1 font-black" style="font-weight: 900; font-size: 18px; line-height: 1;">
                      *
                     </span>
                    </span>
                   </span>
                   <span class="text-small text-black font-black" style="font-weight: 900; font-size: 14px; color: #283444; color: rgba(40, 52, 68, 1); margin-left: 8px; vertical-align: middle;">
                    SPONSORED BY COINGECKO API
                   </span>
                  </div>
                 </td>
                </tr>
               </tbody>
              </table>
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            </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:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 16px;padding-top:0;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:0;word-break:break-word;">
                  <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                   <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                    <h4 style="font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; font-weight: 700; line-height: 1.25; color: #171E27; color: rgba(23, 30, 39, 1); margin-bottom: 0; font-size: 20px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; margin-top: 0;">
                     <img alt="COINGECKO" src="https://inboxflows.com/_/image/https%253A%252F%252Ffinimize-img.imgix.net%252Fhttps%253A%252F%252Fimages.bannerbear.com%252Fdirect%252F7Q4rjJzQn7vZo8qPOx%252Frequests%252F000%252F107%252F328%252F337%252FZwVbKlDe9Y8KAWdRQ8moa3jPM%252F7bb5f07be6256ebb1cf53a86db9bad059cee285f.png%253Ffit%253Dclip%2526h%253DNone%2526ixlib%253Dpython-3.1.2%2526w%253D768%2526s%253Deceb52064d9ee33fa1309b5cc006d2a4/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZmaW5pbWl6ZS1pbSIsInRpbWUiOjE3NTkyMTk1MDguNzgyMDMzN30:1v3VMC:dSAzR8RXqI634pKAeYHVu3hWWpNGORNj_RKjdGBF8Q4" width="100%"/>
                    </h4>
                   </a>
                  </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="flexi_content_8-outlook content-outlook" role="presentation" style="width:600px;" width="600" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div class="flexi_content_8 content" 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: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:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 16px;text-align:center;">
             <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="br-6-outlook" style="vertical-align:top;width:568px;" ><![endif]-->
             <div class="mj-column-per-100 mj-outlook-group-fix br-6" style="border-radius: 6px; border: 2px solid black; 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:25px;padding-top:16px;padding-bottom:16px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   <tbody>
                    <tr>
                     <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                      <div style="font-family:Helvetica, Arial, sans-serif;;font-size:13px;line-height:1;text-align:left;color:#000000;">
                       <p class="content-box-header mb-4" style="line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; font-weight: 900; font-size: 16px; margin-bottom: 16px;">
                        🎙 Finimize Live
                       </p>
                       <h4 data-block-key="9kfl2" style="font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif; font-weight: 700; line-height: 1.25; margin-bottom: 16px; margin-top: 24px; color: #171E27; color: rgba(23, 30, 39, 1); font-size: 20px; font-family: 'Poppins', Helvetica, arial, -apple-system, sans-serif;">
                        Grab your free tickets...
                       </h4>
                       <p data-block-key="5vbv0" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        🔑
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         The New Rules of Investing
                        </a>
                        : September 30th
                       </p>
                       <p data-block-key="f5ipl" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px;">
                        🔭
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         How To Spot The US Market’s Hidden Gems
                        </a>
                        : October 7th
                       </p>
                       <p data-block-key="5qpiq" style="font-size: 16px; line-height: 1.5; color: #283444; color: rgba(40, 52, 68, 1); font-family: 'Helvetica Neue', Helvetica, arial, -apple-system, sans-serif; margin-top: 0; margin-bottom: 16px; margin: 0;">
                        🚀
                        <a style="color: #204CE9; color: rgba(32, 76, 233, 1); font-weight: 500; text-decoration: underline;">
                         Modern Investor Summit 2025
                        </a>
                        : December 2nd and 3rd
                       </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: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:600px;" width="600" bgcolor="#ffffff" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
        <div style="background:#ffffff;background-color:#ffffff;margin:0px auto;max-width:600px;">
         <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:#ffffff;background-color:#ffffff;width:100%;">
          <tbody>
           <tr>
            <td style="direction:ltr;font-size:0px;padding:32px 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>
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