Sourcery (1/10-1/14)🍌🧢
Checkout.com, Bolt, Brex, CAIS, Zero Hash, Novo, AcreTrader, Accrue Savings, Gr4vy, Chapter, DeepScribe, Bolt, GoStudent, Foxtrot, Seel, Fable, Heat, Arcade, RoadRunner Recycling, Zynga...
Last week I was called out by the twitter-famous, meme-investor, and Founder of Banana Capital, Turner Novak himself, for smushing together too many types of deals into what was called “Future of Work”… so now I have appropriately renamed and classified the section as “Enterprise & Consumer”
Thank you Turner 🍌🧢
. . .
Last Week (1/10-1/14):
Relevant deals include the 60+ deals across stages below.
I've categorized the deals below into four categories, Fintech, Care, Enterprise & Consumer 🍌🧢 , and Sustainability, and ordered from later-stage rounds to early-stage rounds. Highlighted deals include Checkout.com, Bolt, Brex, CAIS, Zero Hash, Novo, AcreTrader, Acrrue Savings, Conduit, Gr4vy, Web3Auth, The Helper Bees, Assemble, Paysail, TigerConnect, Freenome, DexCare, Chapter, DeepScribe, Diana Health, Brella, HeyRenee, Bolt, Back Market, GoStudent, Highspot, Ankorstore, Project44, BigPanda, ODDITY, SeekOut, Envoy, Pacer.ai, Foxtrot, Merit, Fan Controlled Football, Observable, PassiveLogic, Wonderschool, Workstep, Arrive, Seel, Draftea, Fable, Heat, Pendulum, Superhi, Masters, Arcade, MycoWorks, RoadRunner Recycling, BlocPower, HeyCharge, PolyCarbin; Zynga, Trust & Will, Rappi, Citadel, Aleph Group, SimpleNexus, Optimus Ride, Fabric, FairX; TPG Partners, Turo, StockX; Pagaya
Final numbers on Where are the Female Founders? at the bottom.
Deals
Sources: TS, Pro Rata, FinSMEs, Pitchbook, StrictlyVC
Fintech:
- Checkout.com, a London-based online payments platform, raised $1 billion at a $40 billion valuation, per the WSJ and confirmed by Axios. Franklin Templeton and the Qatar Investment Authority were joined by insiders Insight Partners and Tiger Global. http://axios.link/5q3o
- Bolt, an SF-based e-commerce checkout experience company, raised $355m in Series E funding at an $11b valuation. BlackRock led and was joined by Schonfeld, Invus Opportunities, CreditEase, H.I.G. Growth and insiders Activant Capital and Moore Strategic Ventures. http://axios.link/z2Jn
- Brex, a San Francisco-based corporate credit card fintech company, raised $300 million in Series D funding led by Greenoaks Capital and Technology Crossover Ventures.
- CAIS, a New York-based alternative investment platform for financial advisors, raised $225 million in funding led by Apollo and Motive Partners and was joined by investors including Franklin Templeton.
- Accelerant, an Atlanta-based insurance risk exchange, raised $193 million at a $2.2 billion valuation. Eldridge Industries led, and was joined by Deer Park, Marshall Wace, MS&AD Ventures and insider Altamont Capital Partners. http://axios.link/fH7o
- PrimaryBid, a London-based new public share investment platform, is in advanced talks to raising $150 million in Series C funding led by SoftBank at a pre-money valuation north of $500 million, per Sky News. http://axios.link/kvKE
- Zero Hash, a Chicago-based B2B digital-asset-as-a-service infrastructure platform, raised $100 million in Series D funding from investors including Bain Capital, NYCA, and Point72 Ventures.
- Novo, a New York-based small business banking platform, raised $90 million in Series B funding led by Stripes and was joined by investors including Valar Ventures, Crosslink Capital, Rainfall Ventures, and BoxGroup.
- AcreTrader, a Fayetteville, Ark.-based farmland investing platform, raised $40m in Series B funding led by Anthemis Group. http://axios.link/dsNY
- Alasco, a Munich, Germany-based financial management platform for real estate projects, raised $40 million in Series B funding led by Insight Partners and was joined by Lightrock.
- Twig, a London-based cash-out app for lifestyle assets like fashion, raised $35 million in Series A funding led by Fasanara Capital. http://axios.link/gJfP
- Accrue Savings, a merchant-embedded shopping experience that rewards consumers for saving, raised $25 million in Series A funding led by Tiger Global and was joined by investors including Aglaé Ventures, Maple VC, UPS CEO Carol Tomé, Fanatics CEO Michael Rubin, Twelve Below, Box Group, and Red Sea Ventures.
- Conduit, a Boston-based API for decentralized finance products, raised $17 million in funding led by Portage Ventures and was joined by Diagram Ventures, FinVC, Gemini Frontier Fund, Gradient Ventures, and Jump Capital.
- Flashtract, an Atlanta, Ga.-based cloud-based software company for billing and payments for construction projects, raised $15 million in Series A funding led by Addition and Shine Capital.
- Gr4vy, a San Mateo, Calif.-based provider of cloud-native payments orchestration solutions, raised $15m in new Series A funding led by March Capital. www.gr4vy.com
- Web3Auth, a Singapore-based crypto onboarding and authentication startup, raised $13m in Series A funding. Sequoia Capital India led, and was joined by such firms as USV, Multicoin Capital and FTX. http://axios.link/5Ml4
- The Helper Bees, an Austin-based insurance technology company, raised $12.8 million in Series B funding led by Trust Ventures and was joined by investors including Silverton Partners, Northwestern Mutual Future Ventures, Impact Engine, and Congress Avenue Ventures.
- Acorn Finance, a Sacramento-based marketplace for home improvement financing, raised $8.4 million in Series A funding. MassMutual Ventures led, and was joined by Moderne Ventures and insiders Vestigo Ventures, Accomplice and MetaProp. www.acornfinance.com
- Fintech Farm, a British platform for launching neobanks in emerging markets, raised $7.4m in seed funding. Flyer One Ventures and Solid co-led, and were joined by TA Ventures, Jiji, u.ventures and AVentures Capital. http://axios.link/BpbU
- Friktion Labs, a portfolio and risk manager for individuals, DAOs, and institutional asset managers built on Solana, raised $5.5 million in funding from investors including Jump Crypto, DeFiance Capital, Pillar, Libertus Capital, Delphi Ventures, and Sino Global Capital.
- ThankUCash, a Nigerian loyalty rewards infrastructure startup, raised $5.3 million in seed funding co-led by 500 Global and Unicorn Growth Capital. http://axios.link/xlLz
- Assemble, an employee comp analysis platform, raised $5 million in seed funding from Susa Ventures and Goldcrest Capital. http://axios.link/5Em0
- Paysail, a San Francisco-based invoicing payments platform that leverages asset-backed stablecoins, raised $4 million in seed funding led by Uncork Capital and was joined by investors including Gradient Ventures, Oak HC/FT, and Tribe Capital.
- anotherblock, a Stockholm, Sweden-based blockchain music rights marketplace, raised $1.2 million in a pre-seed funding led by J12 and was joined by King founder Sebastian Knutsson, Stardoll founder Mattias Miksche, and Transmode co-founder Mathias Ackermand.
. . .
Care:
- TigerConnect, a Santa Monica, Calif.-based healthcare communications software provider, raised $300 million from Vista Equity Partners, per Reuters. http://axios.link/ZD2N
- Freenome, a San Francisco-based cancer detection platform, raised $290 million in funding from Roche.
- Transcarent, a San Francisco-based healthcare platform for employees at self-insured employers, raised $200 million in Series C funding from investors including Northwell Health, Intermountain, and Rush University Medical Center.
- Jaanuu, a San Diego-based physician-led scrubs brand, raised $75 million in Series B funding led by Eurazeo.
- DexCare, a Renton, Wash.-based access optimization company focused on healthcare, raised $50 million in Series B funding led by Transformation Capital and was joined by investors including Kaiser Permanente, Providence Ventures, Mass General Brigham, Define Ventures, Frist Cressey Ventures, and SpringRock Ventures.
- Chapter, a New York-based medicare advisory services company, raised $42 million in Series B funding led by Addition and was joined by investors including Narya Capital, Susa Ventures, Maverick Ventures, XYZ Venture Capital, Core Innovation Capital, and Health2047 Capital Partners.
- DeepScribe, a San Francisco- AI-powered automated medical documentation platform, raised $30 million in funding led by Index Ventures and was joined by investors including Bee Partners, Stage 2 Capital, 1984 Ventures, Scale.ai CEO Alex Wang, and Figma CEO Dylan Field.
- Diana Health, a Smyrna, Tenn.-based women’s health provider and network, raised $11 million in Series A funding co-led by LRVHealth and .406 Ventures and was joined by AlleyCorp.
- Brella, a Los Angeles-based on-demand childcare services company and app, raised $5 million in seed round funding led by Toba Capital and Halogen Ventures.
- HeyRenee, an LA-based personal health concierge startup, raised $4.4m in seed funding. Quiet Capital led, and was joined by GFC, City Light Capital, Fika Ventures, Mucker Capital, SaaS Ventures and Tau Ventures. www.heyrenee.co
. . .
Enterprise & Consumer 🍌🧢 :
- Bolt, an Estonian on-demand transportation and delivery company, raised €628 million at a €7.4 billion valuation. Sequoia Capital and Fidelity co-led, and were joined by Whale Rock, Blue Owl, D1, G Squared, Tekne and Ghisallo. http://axios.link/pcr1
- Back Market, a Paris-based marketplace for refurbished electronics devices, raised $510 million in Series E funding at a $5.7 billion valuation. Sprints Capital led, and was joined by insiders Eurazeo, Aglaé Ventures, General Atlantic and Generation Investment Management. http://axios.link/I1oT
- GoStudent, a Vienna, Austria-based video online tutoring company, raised €300 million ($339.7 million) in Series D funding led by Prosus and was joined by investors including Deutsche Telekom, SoftBank, Tencent, Dragoneer, Left Lane Capital, and Coatue.
- Highspot, Seattle, Wash.-based sales engagement platform developer, raised $248 Million in Series F funding led by B Capital Group and D1 Capital Partners.
- Ankorstore, a French wholesale marketplace for independent retailers, raised €250 million in Series C funding at a €1.75 billion post-money valuation. Bond and Tiger Global co-led, and were joined by insiders Index Ventures, Bain Capital Ventures, GFC, Alven and Aglaé Ventures. http://axios.link/bMos
- Project44, a Chicago-based supply chain logistics company, raised $240 million at a $2.4 billion valuation. TPG, Thoma Bravo and Goldman Sachs co-led, and were joined by Emergence Capital, Insight Partners, Chicago Ventures, Generation Investment Management, Sapphire and Sozo Ventures. The investor group also purchased $180 million of secondary shares from an insider group led by OpenView. http://axios.link/YCmD
- BigPanda, a Mountain View, Calif.-based autonomous ops platform, raised $190 million at a $1.2 billion valuation co-led by Advent International and insider Insight Partners. http://axios.link/2otA
- Pentera, a Boston and Tel Aviv-based Automated Security Validation company, raised $150 million in funding from investors including K1 Investment Management. Evolution Equity Partners, and Insight Partners.
- ODDITY, parent company of New York-based direct-to-consumer beauty brand operator Il Makiage, raised $130 million in funding from investors including Thomas Tull, Franklin Templeton, Fidelity Management & Research Company, and First Light Capital Group.
- TravelPerk, a Barcelona-based business trip booking platform, raised $115 million in new Series D funding at a $1.3 billion valuation. General Catalyst led and was joined by insider Kinnevik. http://axios.link/NTOK
- SeekOut, a Bellevue, Wash.-based AI-powered recruiting platform, raised $115 million in Series C funding led by Tiger Global Management and was joined by investors including Founders Circle Capital, Madrona Venture Group, and Mayfield.
- Envoy, an S.F.-based flexible workspace platform, raised $111 million in Series C funding. Brookfield Growth led, and was joined by BAM Elevate, Seven Seven Six, Triple Point Capital, Elad Gil and insiders Menlo Ventures, Andreessen Horowitz, Initialized Capital and Haystack. www.envoy.com
- Placer.ai, a Walnut, Calif.-based location data analytics startup, raised $100 million at a $1 billion valuation. Josh Buckley led, and was joined by WndrCo, Lachy Groom, MMC Technology Ventures, Fifth Wall Ventures and Array Ventures. http://axios.link/ZbGF
- Foxtrot, a Chicago-based retail platform operator and delivery company, raised $100 million in Series C funding led by D1 Capital Partners and was joined by Monogram, Imaginary, Almanac, Wittington, Fifth Wall, Beliade, Lerer Hippeau, and Revolution.
- Merit, a digital credentialing platform, raised $50 million in Series B funding. Rose Park Advisors led, and was joined by Andreessen Horowitz, Bow Capital and Govtech Fund, along with new investors Experian Ventures, Spike Ventures, InState Capital, Collier Fund, Metaplanet Holdings. http://axios.link/NdWI
- Avataar, a San Francisco and Bengaluru, India-based AI and Computer Vision platform focused on spatial visual discovery, raised $45 million in Series B funding led by Tiger Global and was joined by Sequoia Capital India.
- Career Karma, an S.F.-based tech career guidance platform, raised $40 million in Series B funding led by Top Tier Capital Partners. www.careerkarma.com
- Fan Controlled Football, an L.A.-based pro sports leagues in which fans make key decisions, raised $40m in Series A funding. Animoca Brands and Delphi Digital co-led, and were joined by Gemini Frontier Fund, 6th Man Ventures, Jump Crypto, Red Beard Ventures, Spartan Capital, NGC Ventures, Lightspeed Venture Partners, Talis Capital, Verizon Ventures, Correlation Ventures and Basecamp. http://axios.link/ErI5
- Observable, a San Francisco-based data visualization platform, raised $35.6 million in Series B funding led by Menlo Ventures and was joined by investors including Sequoia Capital and Acrew Capital.
- PassiveLogic, a Salt Lake City-based autonomous building platform, raised $34 million in Series B funding. Addition and Keyframe co-led, and were joined by RET Ventures, Brookfield Growth, Era Ventures and A/O PropTech. www.passivelogic.com
- Wonderschool, a San Francisco-based child care management platform, raised $25 million led by Goldman Sachs and was joined by investors including Citi Impact Fund, a16z, Uncork Capital, Unusual Ventures, Imaginable Futures, and Gaingels.
- WorkStep, a San Francisco-based supply chain workforce hiring and retention platform, raised $25 million in Series B funding led by NewRoad Capital Partners and was joined by investors including Prologis Ventures, FirstMark Capital, Social Capital, Quiet Capital, Latitude Ventures, and Engage VC.
- Arrive, a German instant delivery startup focused on non-grocery consumer goods, raised $20 million in Series A funding. Balderton Capital led, and was joined by GFC, Burda Principal Investments, La Famiglia and 468 Capital. http://axios.link/sLb1
- Vangst, a Denver, Colo.-based hiring platform for the cannabis industry, raised $19 million in Series B funding led by Level One Fund, and was joined by investors including Lerer Hippeau, Colle Capital, Casa Verde Capital, Phyto Partners, L2 Ventures, Althea, Delta Emerald Ventures, and Achari VC.
- Seel, a consumer product return enablement startup, raised $17m in Series A funding. Lightspeed Venture Partners led, and was joined by insiders Foundation Capital, Afore Capital and West Loop Ventures. http://axios.link/tnw6
- Superchat, a Berlin-based omnichannel customer messaging startup, raised $15.6m in Series A funding. Blossom Capital led and was joined by 468 Capital. http://axios.link/gdCj
- Sastrify, a German SaaS procurement startup, raised $15m in Series A funding. FirstMark Capital led, and was joined by HV Capital. www.sastrify.com
- Draftea, a Latin American daily fantasy sports platform, raised $13.2 million in funding led by Kaszek and was joined by investors including Sequoia, Bullpen, and FanDuel CEO Nigel Eccles.
- Bolster, an Indianapolis, Ind.-based on-demand executive talent marketplace, raised $11 million in Series B funding led by Foundry, and was joined by SVB Financial Group, High Alpha, Union Square Ventures, Costanoa Venture Capital, Capital Factory, and Alumni Ventures.
- Ecommerce Brands, a consumer brand aggregator, raised $10m in equity led by Bearing Ventures (plus $30m in debt). http://axios.link/MSdI
- Fable, a New York-based direct-to-consumer product innovation brand, raised $9 million in Series A funding led by 14W and was joined by Female Founders Fund and Slow Ventures.
- Heat, a London-based streetwear mystery box startup, raised $5m from backers like Antler and LVMH. www.heat.io
- Pendulum, a Seattle-based company that detects harmful narratives within social media for corporations and government organizations, raised $5.9 million in seed funding led by Madrona Venture Group and was joined by Cercano Management.
- Superhi, a New York-based online coding school, raised $5m in Series A funding. Frameworks Ventures led, and was joined by Designer Fund, Torch Capital, Reach Capital and Expa. www.superhi.com
- TurbineOne, a San Francisco-based defense technology management platform for first responders and warfighters, raised $3 million in seed funding from XYZ Venture Capital.
- Masters, an app for training with celebrity athletes, raised $2.7m in seed funding. Sweet Capital led, and was joined by Mucker Capital, Goodwater Capital and Luxor Capital. http://axios.link/7dF1
- Arcade, a Hillsborough, Calif.-based interactive demo developer, raised $2.5 million in seed funding led by Upfront Ventures and was joined by Sequoia, Front CEO Mathilde Collin, Shippo CEO Laura Behrens Wu, Jaren Glover, and others.
- StageZero, a Helsinki, Finland-based company that uses data from mobile gamers to develop its artificial intelligence, raised $1.8 million in seed funding led by Konvoy Ventures and was joined by investors including Ludus, Hyperamp, Into Ventures, and Nordic Game Ventures.
. . .
Sustainability:
- MycoWorks, a San Francisco-based mycelium products manufacturer, raised $126 million in Series C funding led by Prime Movers Lab, and was joined by investors including SK Capital Partners, Mirabaud Lifestyle Impact, and Innovation Fund.
- RoadRunner Recycling, a Pittsburgh-based waste management company, raised $70 million from General Atlantic. http://axios.link/qCYT
- BlocPower, a Brooklyn, N.Y.-based climate technology developer, raised $30 million from Microsoft’s Climate Innovation Fund.
- Ubiquitous Energy, a Redwood City, Calif.-based solar technology company for residential and commercial building occupants, raised $30 million in Series B funding from investors including Andersen Corporation, ENEOS, Safar Partners, Hostplus, Red Cedar Ventures, and Riverhorse Investments.
- HeyCharge, a German provider of infrastructure for underground EV charging, raised $4.7m in seed funding. BMW I Ventures led, and was joined by Statkraft. http://axios.link/OeXe
- Polycarbin, an L.A.-based resource management platform for single-use plastics, raised $2 million in seed funding from Ringbolt Capital and VoLo Earth Ventures. www.polycarbin.com
Acquisitions & PE:
- Take-Two Interactive agreed to acquire Zynga, a San Francisco-based interactive entertainment and game franchise, in a deal valued at $12.7 billion in cash and stock.
- UBS Next invested in Trust & Will, a San Diego, Calif.-based digital estate planning platform. Financial terms were not disclosed.
- Delivery Hero, a listed German food delivery group, sold a $150 million stake in Latin American delivery service Rappi to undisclosed buyers, but says it still holds just under an 8% stake valued north of $400 million. http://axios.link/5mkl
- Sequoia Capital and Paradigm made a $1.2 billion minority investment in Citadel Securities, a Chicago-based market maker and electronic trading company.
- Twitter made a minority investment in Aleph Group, a Miami, Fla.-based digital media and advertising company. Financial terms were not disclosed.
- Aptiv agreed to acquire Wind River, an Alameda, Calif.-based security technology developer, from TPG Capital for $4.3 billion in cash.
- nCino acquired SimpleNexus, a Lehi, Utah-based cloud-based, mobile-first homeownership software company, for approximately $1.2 billion in stock and cash.
- 360Learning, backed by Softbank, Silver Lake, and Sumeru, acquired Looop, a London-based learning management system developer, for $20 million in cash and shares.
- Manga (NYSE: MGA) acquired the assets of Optimus Ride, a Boston-based autonomous electric shuttle startup that had raised over $80 million from firms like Greycroft, Energize Ventures, FM Capital and FirstMark Capital. http://axios.link/v34z
- GoFundMe agreed to acquire Classy, a San Diego-based fundraising software company for non-profits, in an all-equity deal. Financial terms were not disclosed.
- Western & Southern Financial Group acquired Fabric Technologies and its subsidiary, Fabric Insurance Agency, a digital life insurance platform and mobile app company. Financial terms were not disclosed.
- Coinbase (Nasdaq: COIN) agreed to buy FairX, a Chicago-based crypto futures exchange whose backers include Virtu Financial, Battery Ventures, Hyde Park Venture Partners and XTX Ventures.http://axios.link/qqMb
- Monster Beverage (Nasdaq: MNST) will pay $330m to buy CANarchy, a Longmont, Colo.-based craft beer and hard seltzer producer. http://axios.link/t2X0
. . .
IPOs:
- TPG Partners, a Fort Worth, Texas-based alternative asset manager and private equity firm, and its shareholders raised $1 billion in an offering of 33.9 million shares (16.5% sold by insiders) priced at $29.50 per share. The company posted $2.1 billion in revenue in 2020 and reported net income of $1.4 billion.
- Cariloha, a Sandy, Utah-based sustainable bedding and bath goods brand, filed for a $50 million IPO. It plans to list on the Nasdaq (ALOHA) and is slightly profitable with $34 million in revenue for the first nine months of 2021. Backers include Blacktop Capital. http://axios.link/Ms1d
- Turo, a San Francisco-based car sharing marketplace, filed for an IPO. The company reported $330.1 million in net revenue in the nine months ending in September 2021 and reported a net loss of $129.3 million. IAC, August Capital, GV, G Squared, and Shasta Ventures back the firm.
- Justworks, a New York-based provider of HR management software, this morning said it will delay an IPO that had been set to raise over $200 million at nearly a $2 billion market cap. Backers include Bain Capital Ventures, Index Ventures, Redpoint Ventures, Spark Capital, Thrive Capital, USV and FirstMark Capital
- StockX, a Detroit, Mich.-based sneaker and streetwear brand online marketplace, hired bankers for a planned IPO, per Bloomberg.
. . .
SPACs:
- Akili Interactive, a Boston-based maker of video games for cognitive therapy, is in talks to go public via Social Capital Suvretta Holdings 1 (Nasdaq: DNAA) at an implied valuation north of $800 million, per Bloomberg. Akili has raised around $280 million from firms like Jazz Venture Partners, PureTech Health, Neuberger Berman, M Ventures, Amgen, Shionogi & Co., Ladera Ventures, Evidity Health Capital, Omidyar Technology Ventures, Fearless Ventures, Polaris Partners, Mirae Asset Wealth Management, New Leaf Venture, Temasek and Baillie Gifford. http://axios.link/XyRE
- Pagaya, a Tel Aviv and New York City-based artificial intelligence-powered lending fintech, raised $350 Million in a PIPE deal ahead of its planned merger with EJF Acquisition Corp. Investors included Tiger Global, Whale Rock, GIC, Healthcare of Ontario Pension Plan, and G Squared.
Funds:
- FTX, a crypto exchange, launched FTX Ventures, a $2 billion venture fund focused on crypto market startups, that will be led by Amy Wu.
- Kleiner Perkins raised $800 million for its 20th flagship venture capital fund, and $1 billion for its second "select" fund. The firm also promoted Annie Case and Josh Coyne to partners. www.kpcb.com
- TMV, a New York-based early-stage venture capital firm, raised $64 million, for its second fund.
- Wonder Ventures, an L.A.-focused VC firm, raised $31 million for its third fund. www.wondervc.com
- Dorm Room Fund, a VC firm focused on student-led startups, raised $10.4m for its latest fund. http://axios.link/KyKT
- Susa Ventures raised $7.5 million for its first scout fund. www.susaventures.com
- The Westly Group raised $300 million for its fourth VC fund. www.westlygroup.com
Final Numbers: U.S. VC by founder gender
Source: PitchBook
The good news: U.S. startups founded solely by women raised 83% more venture capital in 2021 than in 2020, per PitchBook.
The bad news: The 2021 total represented just 2% of all VC raised by U.S. startups, with startups founded solely by men securing 82.4%.
The split narrows slightly when it comes to deal count, with 6.5% for women-founded startups, versus 74.7% for men-founded.
Healthcare continues to be the strongest industry sector for women founders, in terms of securing funding.
The material presented on Molly O’Shea’s website are my opinions only and are provided for informational purposes and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy, or investment product. Any analysis or discussion of investments, sectors or the market generally are based on current information, including from public sources, that I consider reliable, but I do not represent that any research or the information provided is accurate or complete, and it should not be relied on as such. My views and opinions expressed in any website content are current at the time of publication and are subject to change. Past performance is not indicative of future results.
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