Thinking on Upstart

Interesting article. Very detailed research.Looking at the numbers now: upstart had a boost in 2021 in revenue(>10x) and stock: 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): upstart marketing spend starts to matter