Hiya! Dan DeFrancesco in NYC, but mentally I'm in the premium suites at Jimmy Buffett's Margaritaville in the Bahamas, which was reportedly a favorite of SBF's Alameda staff.

Today we've got stories on another fintech getting hit with layoffs, the biggest mistakes you're making with digital transformations, and how one of the most grueling races in the world is trying to soften the experience for the wealthy.

But first, nice to meet you, where you been?

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