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Is Brex a Competitor in Fintech?
In fintech we have a lot of uh frenemies you know i think that's like the thing. We concur is somewhat of a competitor to us and spend management but we also integrate concur for customers that are joint customers right? So it's something that's pretty common in our industry and you know it's something you have to learn how to deal with if you're doing it in terms of like where to start I believe in the world that no matter where you were born you can have the same economic opportunity if you're born silicon valley or brazilian so there'll be more companies that start everywhere.