I'm really glad to see someone doing this in the US - kudos. I remember being so disappointed to hear in the podcast that this approach was illegal in the US, a

I'm really glad to see someone doing this in the US - kudos. I remember being so disappointed to hear in the podcast that this approach was illegal in the US, and I didn't realized that changed back in 2015! I think this approach to incentivizing savings is a net good for the reasons you stated. Congrats on the launch. I wish you success!