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Alper, Jes & Kathleen - Sorry I've been away from the discussion, can't wait to hear your thoughts.

- What do you think makes NerdWallet successful?

Alper, I suggest you read my reply to Jes and Kathleen below. Additionally, and as Jes alluded to, NerdWallet provides generic and personalized financial advice. Given NerdWallet looks at the greatest number of offerings within a given financial service product (e.g., personal loans) relative to its competitors and NerdWallet is impartial in their rankings, I assume people would trust their advice more than Mint, for example, who lists only a fraction of offerings (because Mint doesn't list offerings that it isn't being compensated for showing on their site).

- What insights have you gained from NerdWallet?

Jes, thank you for asking! I suggest you read my reply to Kathleen below and Alper above. In a nutshell, NerdWallet provides peace of mind when I select a credit card provider (for example) because it ranks the vast majority of credit cards available. I believe this is a fundamental building block in the system we're trying to build because it assures individual lenders and buyers in the community that they're getting the best deal possible. This would maximize resource efficiency by deterring the creation of parallel markets (i.e., black markets), for example.

- Nerdwallet is really neat (I personally love it), but I'm not sure how it empowers those who need it the most. Nerdwallet is only available to those privledged enough to have internet.

Kathleen, I agree this solution requires internet - or at least a computer. I believe that in order to ensure the integrity of whatever system we're building, we need the precise accounting afforded by computer processors and the level of data security enabled by simple, pre-established data management protocols (so neither the issuer or recipient of the financial services can fraudulently modify the terms of an agreement). If you're a community member wanting to borrow money or lend money, a platform like NerdWallet (even if it's an on-premise software that is only accessible at a single computer at a city hall) would provide the transparency and integrity necessary for members of a community to know they are getting a competitive quote. Going a step further, if the platform also records creditworthiness as people make/default on payments, it'll reinforce trust in the system.