the milestones in my life: as my daughter went from high school to college I went to a different phase of my investing playbook. during the time that my daughter was in school before College I typically invested more in individual stocks. as time has went on and the markets have become volatile because of economic political and social events that have been come inextricably linked together, that has caused me to examine index funds. I have looked at diversification strategies and reexamination of dollar cost averaging. I have also Incorporated utilization of key market metrics and benchmarks such as the 50-day 20-day moving average and advanced decline and relative strength calculations. this has enabled me to withstand the storm over the past year and now I am well positioned with a significant financial blessing coming my way to be able to take advantage of the attractively priced market in its current state. the moo moo platform has made it easy for me to become more educated focused on the long-term and to engage in relevant commentary with other like-minded individuals on the platform. one of the significant highlights of this year is when I correctly assume the Federal reserve would get very aggressive with 75 point basis increases and the prime lending rate. this has been something not seen since the 1994 financial crisis and if memory serves me correctly the markets did recover over the long term. my best memory of the moo moo community is utilizing several of your live daily activities that encourage mumuers to become focused on different aspects of your platform such as the news features and looking at other features such as what institutions are buying and selling. my daughter says that the moo moo function and the swag that you can buy with your mumu points is also a great premium as well so much so till I have bought two of everything including the moo moo neck pillow and several of the figurines. this is a great company and I try to talk it up amongst my fellow friends congratulations on your milestone and I look forward to being a moo moo investor for a long time