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$sofi My dream script for tomorrow.. not likely though As we look at our balance sheet strength following another record quarter, I want to formally address our capital management strategy regarding our upcoming debt obligations. Given the exceptional health of our business, which is generating significant organic cash flow every single quarter, we are officially confirming that SoFi will retire our remaining 2026 convertible senior notes entirely with cash. In fact, because our cash balances and underlying deposit engine are robust, we are actively exploring options to settle these notes ahead of the October deadline at a slight discount which will boost EPS. By executing a clean cash retirement—without a new convert, we are completely removing any new dilution overhang, and directly maximizing our long-term Earnings Per Share (EPS) for our shareholders. Furthermore, let me be entirely clear: we are no longer a cash-strapped fintech startup, and we will not allow our equity valuation to be weighed down by mechanical short-selling narratives. To that end, our board and management team will be actively looking into an early, open-market buyback of a portion of our 2029 convertible notes. Taking advantage of the current undervalued stock price allows us to aggressively eliminate future debt and dilution risk at a deep discount by using the capped call gains to effectively lower the effective share price, which both will also boost future eps while simultaneously delivering a direct warning shot to short sellers. Anyone betting against SoFi's liquidity structure is fighting real, compounding cash generation, and we intend to use our capital to protect and enhance shareholder value.”