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      "text": "Source: Company Filings, CNBC, Forbes, Federal Reserve. [Footnotes 1-4]",
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      "text": "6 Balance Sheet: $96mm Cash, $550mm Total Liquidity. 7 Market Opportunity: 150m <$1k savings, 115m paycheck-to-paycheck, 60m lack access. 8 AI-Powered FinTech Platform: Transition to multi-product.",
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      "text": "9 Risks and Mitigants: Credit (stable loss curves, short duration), Single-Product Concentration ($80B TAM), Regulatory (Federal Reserve study on breakeven APRs, fair/transparent products, high NPS).",
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      "text": "FGNA Investment Thesis (cont'd)",
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