Ladder makes it really fast and easy to get cover. Smart altrrithms work in real time, so you find out instantly if you're approved. There are no hidden fees, and you can cancel at any time. For the first time, we are going to disguise our guest's voice. Our guest today is a self described whistle blower. He runs a handle on twitter called bitfi next b i, t f i n e x e d bit fin X.