Steve Garmhausen
Private capital has become a core growth tool for wealth management firms. Flush with cash from private equity and other sources, registered investment advisors are upgrading technology, recruiting specialized talent, and pursuing both organic expansion and acquisitions. Here’s how CEOs of some of these firms put their capital to work.
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#wealth #firms #steve #flush

WestEnd Capital Management, an investment advisor, released its Q2 2026 investor letter. The letter can be downloaded here. WestEnd Capital Management's Core Strategy achieved a 16.3% net return in the quarter, surpassing the S&P 500's 15.0%. This performance stemmed from strong earnings generators and upward earnings revisions, showcasing U.S. companies' efficiency in converting sales into profits. S&P 500 net profit margins reached a decade-high of 14.8% in Q1 and are expected to remain above 14% in Q2 despite challenges like higher interest rates and geopolitical uncertainty. Technology remains a key focus in WestEnd's portfolio, along with investments in infrastructure, demographic shifts, financial innovation, and selective consumer opportunities. Also, check the fund's top five holdings to see its best picks in 2026.
In its second-quarter 2026 investor letter, WestEnd Capital Management highlighted Robinhood Markets, Inc. (NASDAQ:HOOD). Robinhood Markets, Inc. (NASDAQ:HOOD) is a US-based financial services company that provides a trading platform for stocks, exchange-traded funds, American depository receipts, options, gold, and cryptocurrencies. On September 02, 2026, Robinhood Markets, Inc. closed at $106.99 per share. Robinhood Markets, Inc. returned 34.83% over the past month, and its shares have gained 18.84% over the past 52 weeks. Robinhood Markets, Inc. has a market capitalization of $96.19 billion.
WestEnd Capital Management stated the following regarding Robinhood Markets, Inc. (NASDAQ:HOOD) in its Q2 2026 investor letter:
Robinhood Markets, Inc. (NASDAQ:HOOD) has evolved well beyond the online brokerage platform many investors still ****** ociate with its early years. The company is building a broader financial services ecosystem that includes brokerage and retirement accounts, cash management, securities lending, advisory services, credit products, prediction markets, and international operations.
But its primary advantage is the strength of its customer relationship. Robinhood has built a large, highly engaged user base and can introduce new products through a single digital platform with relatively low incremental distribution costs. As customers consolidate more of their financial activity with the company, Robinhood can generate higher revenue per account and develop recurring revenue streams that extend beyond transaction-based trading..." (Click here to read the full text)

#robinhood #hood #financial

Chances are, if you have watched a YouTube video, you have come across one where the creator is recording their experiences through a small, handheld camera. Usually, it is a GoPro (GPRO). And it is in the news now because prominent YouTuber and filmmaker Markiplier (also known as Mark Fischbach) has become the single largest shareholder of the company. Additionally, the company has now entered into a $285 million merger agreement with photonics company Starman Optical.
Aimed at expanding GoPro's reach in the AI and defense market, Starman CEO Charles Tebele said, "Advanced optics and imaging are essential to AI, national security, and the broader economy, yet much of the critical hardware supporting these technologies continues to be manufactured overseas. The combination of GoPro's world-class optical expertise and intellectual property with Starman's advanced transceiver capabilities and U.S. manufacturing platform creates a unique opportunity. Together, we intend to bring production of these critical components back to the United States."
Dear GameStop Stock Fans, Mark Your Calendars for September 8
Why **** ysts Think Sellas Life Sciences Stock Can Gain 150% From Here
Jensen Huang: Nvidia's Vera Rubin Platform Turns Electricity Into a $40 Billion Cash Machine

#advanced #platform #critical

Transcript:
Caroline Woods:
Joining us now is Anastasia Amoroso, managing director chief investment strategist at partners Group. Anastasia, great to have you on your first time here.
Anastasia Amoroso:
Yes. Happy to be here.
Caroline Woods:
So great to have you. So let's kick things off by getting your kind of overall market view. You know we are looking at green arrows across the board today. The S&P 500 less than 2% away from all time highs. Is this market on solid footing or are investors getting a little too comfortable?
Anastasia Amoroso:
No, I think it is, broadly speaking. And when I look at the economy, I see many pillars of support they're building for this economy. It used to be that maybe you could rely on the corporation or your hyperscale or consumer, but now we have all of those things working for us. For example, when you look at consumption, it is still up nicely year over year, even though we did give a little bit of it back in July post the World Cup, I should say.

#amoroso

(Corrects day of week in last paragraph)
By Howard Schneider
WASHINGTON, Aug 25 (Reuters) - The U.S. Federal Reserve will need to raise interest rates soon unless coming data ‌show a continued decline in inflation that remains too high and which has ‌become a "pervasive" concern for businesses and households, Boston Fed President Susan Collins said on Tuesday.
Collins said in comments posted to the Boston Fed website that the current Fed policy rate, under her base case outlook, will continue to push down prices and help with a "gradual disinflation" aided also by the recent rise in longer-term bond yields and other factors.
But "should evidence of sustained inflation progress not materialize, ‌I believe it will be ⁠appropriate to tighten policy soon to ensure we deliver price stability in a reasonable time frame. ... Concerns about high prices are pervasive in my ⁠conversations with stakeholders across New England," Collins wrote.

#high #pervasive

Guinness Global Innovators, an investment management company, recently released its Q2 2026 quarterly investor update for its "Guinness Global Innovators Fund". You can download the letter here. The Guinness Global Innovators Fund focuses on investing in global companies that benefit from innovation in technology, communication, globalization, and management strategies. In the second quarter of 2026, the Guinness Global Innovators Fund returned 13.8% in GBP, compared with 13.0% for the MSCI World Index and 13.1% for the IA Global sector average. Easing Middle East tensions, falling oil prices, and renewed enthusiasm for artificial intelligence helped reverse much of the caution seen earlier in the year, with investors rotating back toward growth stocks and AI infrastructure beneficiaries. The Fund benefited from its overweight position in the Information Technology sector, while its overweight position in Communication Services detracted. Avoiding weaker Utilities, Materials, and Energy also supported relative performance. Also, please check the Fund's top five holdings to see its best picks for 2026.
In its second-quarter 2026 investor letter, Guinness Global Innovators Fund highlighted Advanced Micro Devices, Inc. (NASDAQ:AMD) as a new holding. Advanced Micro Devices, Inc. (NASDAQ:AMD) is a leading semiconductor company that designs and manufactures AI accelerators, microprocessors, and graphics processing units. On August 21, 2026, Advanced Micro Devices, Inc. (NASDAQ:AMD) closed at $473.25 per share, reflecting a market capitalization of $772.57 billion. Advanced Micro Devices, Inc. (NASDAQ:AMD) posted a one-month return of -4.38%, while its shares gained 189.70% over the past 52 weeks.
Guinness Global Innovators Fund stated the following regarding Advanced Micro Devices, Inc. (NASDAQ:AMD) in its Q2 2026 investor letter:
"Advanced Micro Devices, Inc. (NASDAQ:AMD) is a fabless semiconductor company focused on high-performance and AI computing. It designs and sells a broad portfolio of AI-optimised processors and networking chips, positioning itself as a full-stack solutions provider across cloud and AI infrastructure while maintaining strong competitive positioning in PC and gaming endmarkets. AMD has notably closed the performance gap with Nvidia in recent years, driven by targeted acquisitions and sustained software investment. The Helios platform, built on AMD's acquisition of systems integrator ZT Systems, is AMD's first rack-scale system unifying graphical processing units (GPUs), computer processing units (CPUs) and Pensando networking into a frontier AI infrastructure solution, and should be a material growth driver from 2027 onwards. AMD is also structurally advantaged by a shift in data centre computational architecture. Its EPYC server CPUs offer industryleading performance-per-dollar and have taken substantial share from Intel in enterprise and cloud deployments. The rapid build-out of AI infrastructure is driving demand for high

Tempus AI (NASDAQ: TEM) stock posted massive gains this week despite valuation pressures across the broader market. The healthcare artificial intelligence (AI) specialist's share price climbed 39.5% over its close at the end of the previous week's trading. Meanwhile, the S&P 500's level declined 1.9%, and the Nasdaq Composite's level declined 2.8%.
Tempus's big gains this week stemmed from a press release published by Merck and Moderna that provided an update on a trial for their cancer vaccine. Despite the big valuation pop, Tempus stock is still down roughly 10% over the last year.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
On Wednesday, Merck and Moderna published a press release detailing Phase 3 trial data for the use of a jointly developed messenger ribonucleic acid (mRNA) vaccine along with Merck's Keytruda immunotherapy as a cancer treatment. The results showed that patients who took the combined treatment saw significant benefits compared to those who just took Keytruda, with the return and spread of cancer both being diminished among the cohort.
Tempus stock soared following the announcement, largely due to its pending acquisition of Personalis -- the company that developed the genomic tumor-profiling technology that was central to the development of Merck and Moderna's cancer vaccines. Tempus's deal to acquire Personalis is a binding agreement and is expected to close late this year or early in 2027.

#tempus #NASDAQ #keytruda

FR8 Solutions and 22 independent drivers have reached a settlement in a federal civil RICO lawsuit. The drivers accused the company of altering rate sheets and hiding revenue from hauled loads. On July 28, a Florida court dismissed the case with prejudice. The court filings do not disclose the settlement's financial terms.
Plaintiffs and defendants filed a joint notice of settlement on July 27. They told the court they had resolved the matter and were finalizing their agreement. Judge Wendy Berger closed the case the following day. Her order allows either side 60 days to request a final order or reopen proceedings.
FR8 and the drivers worked under agreements that promised drivers 88% of each load's linehaul rate. The complaint claims company records showed smaller rates than FR8 actually received. Drivers claimed FR8 supplied settlement statements and dispatch documents that understated the company's revenue. The lawsuit says those documents reduced their percentage-based payment on individual loads.
One disputed shipment ran from Wood Dale, Illinois, to Gaffney, South Carolina. FR8's system showed a $2,400 rate, while the complaint claims FR8 received $2,500. Another shipment ran from Del Rio, Texas, to Kansas City, Kansas. For that move, the drivers claim FR8 showed $8,000 but received $15,000.
The $7,000 difference represented $6,160 under the drivers claimed 88% formula. Drivers also identified Ascent On-Demand, Active On-Demand and Landstar in disputed transactions. They claimed another company operator revealed different rates during June 2023. FR8 then ended their contracts and locked them out of its mobile application, the lawsuit states.

#settlement #claimed

Corn futures are showing fractional to 1 ¼ cents so far at Monday's midday. The CmdtyView national average Cash Corn price is down 1 1/4 cents at $4.35.
The ProFarmer Crop Tour started on Monday, with South Dakota corn yields averaging 149.09 bushels per acre down 14.41% from the last year and 8.37% below the 3 year average. Ohio yields came in at 180.18 bpa, down 2.97% from a year ago and a 2.25% decline from the three year average. Results for Indiana and Nebraska will be announced later this evening.
Corn and Soybean Prices Have a Major Catalyst This Week as the Pro Farmer Crop Tour Kicks Off
Concerns About a Global Supply Squeeze Lifts Coffee Prices
Coffee Prices Soar on Supply Concerns

#average

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.
If you're looking to supercharge your savings, a high-yield savings account can provide a competitive interest rate to help your balance grow faster.
However, not all banks offer high savings account rates, which is why it's important to shop around and find the most competitive savings interest rates available.
Read on to learn more about where to find the best savings interest rates today.
The average interest rate on a traditional savings account is only 0.38%, according to the FDIC. However, today's best high-yield savings accounts pay around 3%-4%.

#account #however

First Solar, Inc. (FSLR), headquartered in Phoenix, Arizona, is a solar technology company that provides photovoltaic (PV) solar energy solutions. Valued at $26.9 billion by market cap, the company manufactures and sells PV solar modules with thin film semiconductor technology that provides conventional crystalline silicon PV solar modules.
Shares of this renewable giant have outperformed the broader market over the past year. FSLR has gained 34.7% over this time frame, while the broader S&P 500 Index ($SPX) has rallied nearly 22.4%. However, in 2026, FSLR stock is down 4.3%, compared to the SPX's 13.3% rise on a YTD basis.
Don't ***** ume Micron Will Share SanDisk's Fate. Here's Why.
The Nvidia-SpaceX Deal Is Sending a Clear Signal on AI Dominance
Rocket Lab Investors Have Plenty to Cheer Ahead of Q2 Earnings Today

#fslr #company #provides #phoenix

Co-Founder and CEO Jacob DeWitte sold directly and indirectly a total of 120,000 shares of Oklo (NYSE:OKLO) on Aug. 3, 2026, for approximately $4.9 million. According to the filing, the sales reported were effected pursuant to a Rule 10b5-1 plan adopted on March 31, 2025.
Metric
Value
Transaction value
$4.9 million

#value #NYSE #according #rule

SoFi Technologies (SOFI) just gave investors a reason to pay attention, and it has nothing to do with loans or interest rates. It comes down to a single membership product that is growing faster than almost anyone expected.
The fintech company posted a blowout second quarter, but buried inside the numbers was a bold prediction from CEO Anthony Noto about where a new premium membership tier called "SoFi Plus" is headed. If he is right, it could reshape how investors think about the fintech stock.
Billionaire Jensen Huang Says That When America Goes to War He Would Rather Not Be Asked About His Own Technology: 'I Would Really Appreciate Not Getting a Phone Call…'
SanDisk Just Unveiled the First High-Bandwidth Flash Standard. What That Means for SNDK Stock.
As the Market Crashed in 1987, Paul Tudor Jones Made $100 Million in a Single Day: 'The Most Important Rule of Trading Is to Play Great Defense, Not Great Offense'

#sofi #fintech

Michael Dennis Policarpo, President, CFO & CAO of Victory Capital Holdings, Inc. (NASDAQ:VCTR), reported a non-discretionary sale of 33,453 shares of Common Stock on August 5, totaling $3.3 million, according to an SEC Form 4 filing.
Metric
Value
Transaction value
$3.3 million

#value #million #michael #capital

Interested in Keller Group plc? Here are five stocks we like better.
Keller delivered record first-half 2026 results, with constant-currency revenue up 11%, underlying operating profit up 17.1% and margins improving to 7.3%. Management remains confident of meeting its upgraded full-year expectations and achieving a fourth consecutive record year.
North America was the main growth engine, with revenue up 16.7% and operating profit up 17.7%, driven by data-center foundations and major infrastructure projects including the I-40 highway remediation. Data centers rose to 9% of group revenue, while weaker multifamily residential activity remained a headwind.
Cash generation supported a 57% increase in the interim dividend and ongoing share buybacks, while management expects to end the year with approximately £30 million of net cash. EMEA profit rose despite lower revenue, whereas APAC revenue grew strongly but profit was broadly flat due to pricing and weather pressures.
Keller Group (LON:KLR) reported record first-half results for 2026, with revenue and underlying operating profit rising as strong demand for data centers and infrastructure work in North America offset weaker conditions in some residential and European markets.

#revenue #record #operating #north

Big institutional investments often shine a spotlight on companies that many investors may have overlooked. That's exactly what happened after BlackRock (BLK) disclosed a new 7.2% passive stake in Ondas (ONDS) through a Schedule 13G filing with the United States Securities and Exchange Commission, revealing ownership of 38.1 million shares.
The move has put the spotlight back on Ondas, a company developing autonomous systems and advanced technology products for defense and industrial markets – two sectors drawing growing investor interest. The timing is particularly interesting.
Ahead of ****** eX Earnings, Here's What Barchart Data Says Comes Next for SPCX Stock
China Just Gave Sandisk Stock Investors a New Reason to Worry
Top Memory Chipmaker Plunges as Sharp Pullback Extends. How to Play It Here.

#states

Okta on Thursday agreed to acquire AI identity security startup Permiso Security, betting that demand for protecting AI agents and other machine identities will grow as enterprises deploy autonomous software across their operations.
The identity management company did not disclose the terms of the transaction. But TechCrunch has learned that the acquisition is valued at just under $200 million and is structured as an almost all-cash deal, according to a source with knowledge of the deal. A spokesperson for Okta did not dispute the $200 million figure when TechCrunch asked CEO Todd McKinnon for comment about the deal, but the company would not comment on specifics of the deal terms.
The deal is expected to close in the third quarter of its fiscal 2027, Okta said, subject to customary closing conditions.
Okta's move to buy Permiso comes as identity management companies seek to expand beyond verifying users at login to continuously monitoring what users, applications, and AI agents do once gaining authorized access to a network environment. That shift has intensified competition to secure machine identities as enterprises embed AI deeper into everyday operations.
Permiso, which emerged from stealth in 2022, develops software that helps security teams spot suspicious activity in cloud environments after users or applications have been granted access. More recently, the startup has expanded its platform to monitor AI agents and other machine identities.

#identity

Amphenol Corporation (NYSE:APH) reported stronger-than-expected second-quarter results and issued an upbeat third-quarter outlook, driven by robust demand for AI-related data communications products and contributions from recent acquisitions. The company's shares rose around 7% in premarket trading following the announcement.
The connector manufacturer posted adjusted earnings of $1.35 per share, comfortably ahead of Wall Street's consensus estimate of $1.16.
Revenue increased to $8.76 billion from $5.65 billion a year earlier, surpassing ****** ysts' expectations of $8.19 billion. Organic sales grew 30% during the quarter, while orders reached a record $10.7 billion, resulting in a book-to-bill ratio of 1.23.
Amphenol said exceptional demand for its IT datacom products continued to support strong performance as investment in artificial intelligence infrastructure accelerated.
Chairman and Chief Executive Officer R. Adam Norwitt highlighted the company's broad-based momentum across multiple end markets, led by outstanding organic growth within its IT datacom business.

#billion #amphenol #organic #wall

Alphabet (GOOG) (GOOGL) did almost everything investors had hoped for in its latest quarterly report. While the top and bottom line grew impressively, Google Cloud revenue generated an eye-popping annual growth as businesses continued pouring money into AI infrastructure and generative AI solutions. Under normal circumstances, those numbers would have fueled another rally. Instead, the stock headed in the opposite direction.
The sell-off was not driven by weak fundamentals – it was driven by what's ahead. Investors zeroed in on Alphabet's aggressive AI spending plans, with management signaling elevated capital expenditures this year and an even bigger investment push in 2027. As the artificial intelligence (AI) race intensifies, Wall Street is increasingly asking whether these massive investments will generate returns quickly enough.
Hedge Your Portfolio with This Real Estate Stock at New 5-Year Highs
Markets move fast. Keep up by reading our FREE midday Barchart Brief newsletter for exclusive charts, ****** ysis, and headlines.
The sell-off also altered GOOGL's technical setup. The stock closed below its 200-day moving average for the first time in more than a year, breaking a key support level that had held throughout the past 12 months. While many technical ****** ysts typically wait for several sessions below that level before confirming a trend change, the move has undoubtedly put the stock under the microscope.

#sell #driven

Last Updated: July. 27, 2026 at 10:43pm ET
2026년 7월 27일 오전 5:27 New York 시간
By
Chelsey Dulaney
,

#york

People rarely go broke overnight. It usually happens gradually, as a string of financial decisions that each seemed fine on their own pile up until they can't be ignored anymore. Even high earners aren't immune.
A Harris Poll in November 2025 found that a third of Americans earning $100,000 or more describe themselves as financially distressed, and 64% now consider a six-figure income "survival mode" rather than a sign of wealth. Three-quarters had used a credit card recently because they'd run out of cash, and more than half said they'd need to double their income just to feel secure.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here's what it is and 3 simple steps to fix it ASAP
Millionaires under 43 hold only 25% of their wealth in stocks. Here's where their money is actually going

#income

Millions of Americans own oil and gas mineral rights and have no real idea what that means. Some inherited a folder of yellowed documents from a grandparent's estate. Some bought a piece of land and ******* umed everything under it came with the deed. Some get a small check in the mail every few months and couldn't explain why if asked.
Mineral rights are one of the most valuable and least understood ******* ets in the country, and a whole industry has built itself around that gap in knowledge. Landmen, mineral buyers and self-styled "finders" all make a living off owners who don't know what they have or what it's worth.
This guide breaks down what mineral rights actually are, how ownership works, what happens when a company wants to lease your land, roughly what your rights might be worth, and where the scams tend to hide. Whether you inherited a stack of paperwork, got an unsolicited offer in the mail, or you're buying land and need to know what's actually included, this is the reference to keep close.
Land ownership in the U.S. splits into two separate estates: the surface estate and the mineral estate. Surface rights cover everything visible and usable on top of the ground, including structures, crops, timber and water. Mineral rights cover what's underneath: oil, gas, coal and other extractable resources.
In most of the country, the two estates travel together. But in states with a long oil and gas history, they've frequently been split apart in a process called severance. Once minerals are severed from the surface, they become their own tradeable ******* et, separate from the land itself. One person can own the ranch. Someone else, possibly a stranger three states away, can own everything underneath it.

By Sinéad Carew and Samuel Indyk
NEW YORK/LONDON, July 17 (Reuters) - Share indexes tumbled around the world on Friday, as heavyweight chip stocks plunged for a third consecutive day as investors reduced bets on artificial intelligence, with China's Moonshot releasing a large AI system.
Meanwhile ‌oil prices rose as the United States and Iran expanded their attacks to hit key infrastructure. The United States struck bridges and an ‌airport in Iran, and Tehran responded by hitting a power and desalination plant in Kuwait.
In the contested Strait of Hormuz, where the renewed conflict has again cut off global energy supplies, U.S. Marines boarded a tanker, and another ship was reported to have been hit by a projectile.
In its third straight day of losses, the Philadelphia semiconductor index dipped to a level 23.5% below its most recent record closing high, reached on June 22. It was last down more than 2% on the day.

NVIDIA Corporation (NASDAQ:NVDA) provides GPUs and the CUDA-Q platform for quantum simulation, hybrid quantum-classical workloads and the integration of quantum processors with accelerated computing systems.. It is also one of the Best Quantum Computing Stocks to buy and Hold Forever.
Recently, on July 11, Morgan Stanley reiterated NVIDIA Corporation (NASDAQ:NVDA) as its top semiconductor pick and also maintained a Buy rating with a $288 price target. The rating and the research note came after the firm met with the company's top management.
The firm noted that from the meeting it extracted that Nvidia's growth is increasingly coming from beyond traditional AI hyperscalers. In addition, management expressed confidence that revenue growth can keep accelerating even as quarterly sales near $100 billion. Morgan Stanley said demand is diversifying across AI labs, hyperscalers, enterprise customers, neoclouds, and sovereign AI projects. That broader mix reduces the risk of Nvidia's results depending too heavily on a small group of big-spending cloud companies.
Moreover, networking and CPUs are becoming meaningful growth drivers within hyperscale customers as well. The firm also pointed to sovereign AI, industrial applications, and enterprise adoption as areas likely to grow in importance as countries and companies build out their own AI infrastructure.
NVIDIA Corporation (NASDAQ:NVDA) is a fabless semiconductor and AI computing company that designs GPUs, AI accelerators, Application Programming Interfaces (APIs), and system-on-a-chip units. Through its CUDA ecosystem, the company enables industries ranging from autonomous vehicles to scientific research by advancing AI, accelerated computing, and data center infrastructure.

This article was originally published on ETFTrends.com.
Artificial intelligence (AI) data centers, a fractured energy security picture, and a wave of electrification are converging into a supercycle for clean energy infrastructure. That's according to executives from SS&C ALPS Advisors and CIBC Private Wealth.
Global clean energy investment hit a record $2.3 trillion in 2025, up 8% year over year.
AI data centers could consume 10% of U.S. electricity by 2030, straining the power grid.
ACES targets North American clean energy firms that draw over half their value from the sector.

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Custom Health Holdings Inc (TSX:CHLT) CEO Shane Bishop talked with Proactive about the company's technology-enabled pharmacy model, its expansion strategy and the opportunities ahead following its recent TSX listing.
Proactive: Welcome back inside our Proactive newsroom. Joining me today is Shane Bishop, CEO of Custom Health. Shane, great to see you.
Shane Bishop: Thank you. I appreciate the invitation and look forward to the conversation.
Custom Health has an interesting history. It was founded to solve challenges in long-term healthcare. Can you explain how the company began?
I'm a pharmacist by profession, and early on we identified a systemic problem between pharmacy and nursing in long-term care around medication administration. We developed technology to improve the accuracy of that process. That original solution remains part of our business today, but it also became the foundation for expanding our model into patients' homes.