Ely: Every time i wouldthink of an idea, i'd write it down. If you have a problem, so do other people. So how did yona bank idea come up? Ely: I've always been superinto behavo psychology sone of ou're familiar with,. books like nudge, thinking fast and slow. The way the gambling laws were written wasn't like they said, savings with a sweepstake's lottery element attached to it is illegal. A lot of people are playing the lottery who who struggled to save.

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