Thinking on Upstart

Interesting article. Very detailed research.Looking at the numbers now: upstart had a boost in 2021 in revenue(>10x) and stock: https://ir.upstart.com/static-files/0281f9ee-44c6-47e3-8136-32295b007347I don't think this boost predictable. But I found this article very reasonable. Wonder what factor do we miss here?I guess we might underestimate the growth of upstart by a few factors:1/ boost in personal loans: (personal hardship due to covid, lo interest): https://www.supermoney.com/studies/personal-loans-industry-study/2/ upstart marketing spend starts to matter