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The biggest competitor is not another broker. It is the savings account paying zero percent that people are too scared to leave.
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Sleep is the single biggest lever for performance and almost everyone ignores it. Whoop made sleep a competitive metric. People started competing on who recovered better, not who trained harder.
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The hardest part of building Loom was not the recording technology. It was convincing people that sending a video was not weird. In 2016, recording yourself talking to your laptop felt awkward. Now it feels natural.