I like that you shared the apathy and Excel insights. I learned this early on too. Even today in the PF space, I'd still say that's true and shouldn't inhibit

I like that you shared the apathy and Excel insights. I learned this early on too. Even today in the PF space, I'd still say that's true and shouldn't inhibit anyone from trying to create something cool. Thanks for adding the PR point too. I get tired of hearing the "Mint didn't spend money to attract users" line.