@investwithbtm @SimonSaysStocks U seem to know $afrm well. Please help w this Q that even the analysts had trouble w/. Q= If FY22 guide= +1.5B after $amzn partnership, y is Rev-LTC guide flat? So $amzn will add 0 in rev over the next 6 months? Costs to support $amzn is high &amp; margins low, so net rev-TLC= zero?