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Sam Altman apologizes to Canadian town where OpenAI failed to alert police about a mass shooter



OpenAI CEO Sam Altman wrote a letter publicly apologizing to residents of the Canadian town of Tumbler Ridge after the company failed to alert local authorities about a person who allegedly killed eight people in the town earlier this year. 

On Feb. 10, an 18-year-old suspect, Jesse Van Rootselaar, allegedly killed her mother and stepbrother before killing five students and an educational assistant at a school in Tumbler Ridge, a rural town in the western Canadian province of British Columbia. Van Rootselaar, who was transitioning from male to female, later killed herself at the school, according to authorities. 

In a letter published last week in local newspaper Tumbler RidgeLines, and whose authenticity was confirmed by an OpenAI spokesperson, Altman addressed the town’s residents, saying he was “deeply sorry” the company did not alert authorities to the suspected shooter. 

“While I know words can never be enough, I believe an apology is necessary to recognize the harm and irreversible loss your community has suffered,” Altman wrote.

A spokesperson for OpenAI declined to comment beyond what was in Altman’s letter.

Months before the shooting, OpenAI employees had flagged the ChatGPT account of the suspected shooter, Van Rootselaar, last June for interactions that described gun violence, The Wall Street Journal reported. A group of a dozen staffers reportedly debated internally on whether to alert authorities, but ultimately decided not to. The company banned her ChatGPT account, because her activity didn’t meet the criteria for an imminent threat, the Journal reported. 

OpenAI later contacted the Royal Canadian Mounted Police to support the investigation, but local leaders have claimed more could have been done to prevent the shooting.

David Eby, the premier of the province of British Columbia, wrote in a post on X Friday “the apology is necessary, and yet grossly insufficient for the devastation done to the families of Tumbler Ridge.” 

In an interview with the Canadian Broadcasting Corporation in February, Eby said there should be a national threshold for when AI companies are required to alert authorities about a flagged user.

“The only way to hold these companies accountable is to have a consistent standard across the country,” he said at the time. 

In meetings with officials from Canadian Prime Minister Mark Carney’s cabinet, justice minister Sean Fraser said he told OpenAI officials to implement new safety regulations.

“The message that we delivered, in no uncertain terms, was that we have an expectation that there are going to be changes implemented,” Fraser said following a February meeting with OpenAI’s head of policy Chan Park and six other company representatives. “If they’re not forthcoming very quickly, the government’s going to be making changes.”

Shooting deaths, and especially school shootings, are rare in Canada. A study by the nonprofit Commonwealth Fund from 2024 found the country had 2.2 gun deaths per 100,000 people per year, compared to 13.5 per 100,000 people per year in the U.S. The country’s last high-profile mass shooting at a school was in 2016, when a 17-year-old shooter killed four people and injured several others at a high school in La Loche, a village in Saskatchewan, Canada.

Altman reaffirmed in the letter that he is committed to working with the mayor of Tumbler Ridge, Darryl Krakowka, as well as premier Eby to find ways to prevent similar incidents in the future. 

“Going forward, our focus will continue to be on working with all levels of government to help ensure something like this never happens again,” Altman wrote. 

Trump wants Kimmel’s head (again) after joke about Melania Trump as ‘expectant widow’



Donald and Melania Trump both called for ABC to fire Jimmy Kimmel on Monday after a joke last week in which the late-night comic described the first lady as having “the glow of an expectant widow.”

The remark about the president’s wife was part of a routine on Thursday’s “Jimmy Kimmel Live” where the host pretended to deliver a comedy routine at the White House Correspondents’ Association dinner. That event two nights later was cut short when a man armed with guns and knives tried to enter the Washington ballroom where the Trumps and much of the nation’s political leadership had gathered.

“People like Kimmel shouldn’t have the opportunity to enter our homes each evening to spread hate,” Melania Trump said in a social media post later echoed by her husband.

Kimmel described the joke during his Monday night monologue as a light roast about the first couple’s age difference and “not, by any stretch of the definition, a call to assassination.”

He said he was sorry that the president and everyone at the event went through that traumatic and scary experience.

“I agree that hateful and violent rhetoric is something we should reject,” Kimmel said. “I do, and I think a great place to start to dial that back would be to have a conversation with your husband about it.”

There was no comment Monday from ABC.

Trump has long been on receiving end of Kimmel’s routines

Kimmel has long targeted the president in his comedy, and he doubled down after a run-in with the administration last fall. Kimmel was suspended by ABC and some of the network’s affiliates said they would take him off the air following a comment made about assassinated conservative leader Charlie Kirk, moves encouraged by Trump’s FCC chairman, Brendan Carr. ABC and the stations later brought Kimmel back.

Upon his return, Kimmel said that by saying that “many in MAGA land are working very hard to capitalize on the murder of Charlie Kirk,” he was not trying to make light of Kirk’s killing and didn’t want to leave that impression. He did not apologize, however, and he criticized station owners who took him off the air before later relenting.

Shortly after the incident, ABC signed Kimmel to a one-year contract extension that is due to keep him on the air until May 2027. His show has aired on the network since January 2003.

His late-night competitor Stephen Colbert — another frequent Trump critic — is seeing his CBS show end next month.

Dressed in a tux and standing behind a podium Thursday, Kimmel pretended to deliver a comic routine for the WHCA dinner. His speech had false “cutaways” to the Trumps and others, taken from video clips.

He noted Melania in the “audience,” saying, “Mrs. Trump, you have a glow like an expectant widow.”

“I appreciate that so many people are incensed by Kimmel’s despicable call to violence, and normally would not be responsive to anything that he said but, this is something far beyond the pale,” the president said on his Truth Social platform. “Jimmy Kimmel should be immediately fired” by ABC and its parent Walt Disney Co., he said.

His wife said Kimmel’s “hateful and violent rhetoric” is intended to divide the country. “A coward, Kimmel hides behind ABC because he knows the network will keep running cover to protect him,” Melania Trump wrote. “Enough is enough. It is time for ABC to take a stand.”

White House press secretary also weighs in

White House press secretary Karoline Leavitt said it was part of a campaign of rhetoric from Democrats and some in the media that “has helped to legitimize this violence.”

“Who in their right mind says a wife would be glowing over the potential murder of her beloved husband?” Leavitt said. There was no indication that Kimmel was referring to violence.

The National Religious Broadcasters association filed a complaint with the Federal Elections Commission, asking the agency to investigate ABC.

“We’re seeing a pattern of violence in this country that didn’t appear overnight,” said Troy Miller, NRB’s president and CEO. “When influential voices joke about death or treat political opponents as disposable, it contributes to a culture where violence feels thinkable to the already unstable.”

During his routine, Kimmel noted Melania Trump’s birthday Sunday, saying, “She’s planning to celebrate at home the same way she always does — looking out a window and whispering, ‘What have I done?’”

He also said: “Before we go any further, Melania, this is Donald. Donald, this is Melania. That was my impression of Jeffrey Epstein.”

Cole Tomas Allen, the California man arrested after attempting to rush into the correspondents’ dinner on Saturday, was charged Monday with the attempted assassination of the president.

___

Associated Press correspondent Jesse Bedayn in Austin, Texas, and Hallie Golden in Seattle contributed to this report. David Bauder writes about the intersection of media and entertainment for the AP. Follow him at http://x.com/dbauder and https://bsky.app/profile/dbauder.bsky.social.



Dunkin Donuts: Purchase $25 Giftcard & Get $5 Bonus Card


Update 4/27/26: Deal is back, limit 4. Valid until June 21, 2026. Hat tip to DDG

The Offer

Direct link to offer

  • Dunkin Donuts is offering a $5 bonus card when you purchase a $25 giftcard

The Fine Print

  • Limit 1 per person
  • Valid until 12/24/23
  • Bonus card expires on 1/31/24

Our Verdict

Useful for the dunkin fans.

 

Hat tip to Ropps

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How To Get A Free Credit Report Every Week From Equifax, Experian, And TransUnion


Free Credit score report | Source: The College Investor

Knowing what’s on your credit report is the difference between getting approved for a mortgage at the best rate and getting denied — or worse, getting hit with fraud you don’t catch for months. Errors on your report can quietly drag down your credit score. Identity thieves can run up debt in your name for a year before you notice.

The good news for 2026: you can pull your full credit report from all three major bureaus (Equifax, Experian, and TransUnion) for free every week. You can also check your credit score for free from a half-dozen reputable sources, including FICO scores from card issuers that don’t require you to be a customer.

Here’s exactly how to do it, plus what to look for once you have the report in hand.

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Credit Report vs. Credit Score: A Quick Distinction

Two different things, often confused:

  • Credit report: the full record of your borrowing history. Accounts, balances, payment history, public records, hard inquiries.
  • Credit score: a three-digit number (typically 300–850) calculated from the data on your report. FICO and VantageScore are the two scoring models you’ll see.

Lenders look at both. So should you.

Credit Score Range | Source: The College Investor

1. Get Your Annual Credit Report For Free

The single best resource for free credit reports is AnnualCreditReport.com. It’s the only website authorized by federal law to provide your free reports — every other site that promises a “free credit report” either charges a fee, requires a paid subscription, or sells your data.

Here’s what changed: under the original Fair Credit Reporting Act, you got one free report per bureau per year. During Covid, the bureaus voluntarily expanded that to one report per bureau per week. That weekly access was made permanent in September 2023. As of 2026, you can pull a fresh report from Equifax, Experian, and TransUnion every seven days, free, with no catch.

Equifax is going one step further through 2026 — they’re offering six free reports per year directly through Equifax.com on top of the weekly access at AnnualCreditReport.com.

You’ll need to verify your identity with your Social Security number, date of birth, and a few security questions about old loan balances or addresses. If verification fails online, you can request reports by mail.

2. Get Your Free Credit Score From Credit Karma

Credit Karma is the easiest place to start for a free credit score. No credit card required, no trial period, no upsell to a paid plan. You get:

  • Two scores, updated weekly: TransUnion VantageScore 3.0 and Equifax VantageScore 3.0
  • Your full TransUnion and Equifax credit reports
  • Free monitoring with email alerts when something on your file changes
  • Tools to dispute errors directly through the platform

The trade-off: Credit Karma is ad-supported and will recommend credit cards and loans based on your profile. You can ignore those. The score and report data are real.

One caveat worth understanding: Credit Karma shows VantageScore 3.0, not FICO. Most lenders (about 90% of them) use a FICO score when they actually pull your credit. Your VantageScore on Credit Karma is a useful directional indicator — if it’s going up, your FICO is almost certainly going up too — but it’s not the exact number a lender will see. For your actual FICO score, see option 3.

3. Get A Free FICO Score From These Sources

Several issuers and services give you a free FICO score with no purchase or account ownership required:

  • Experian: free Experian credit report (updated daily) plus a free FICO Score 8 from Experian. No credit card needed.
  • Discover Credit Scorecard: free FICO Score 8 from TransUnion. You don’t have to be a Discover cardholder.
  • Capital One CreditWise: switched from VantageScore to FICO 8 from TransUnion in mid-2025. Free, no Capital One account needed.
  • Chase Credit Journey: free VantageScore 3.0 from Experian (note: this is VantageScore, not FICO). No Chase account needed to try Chase Credit Journey.
  • American Express MyCredit Guide: free FICO Score 8 from Experian. No Amex card needed. Check out Amex MyGuide here.

If you already carry a credit card, check your issuer’s app — Citi, Bank of America, Wells Fargo, and most other major issuers now show a free monthly FICO score for cardholders.

Understanding The Information On Your Credit Report

Review the chart below to see how your credit score stacks up:

  • 600 or less: You have poor or bad credit, which will make it difficult to get a loan or buy a house. You can fix this by applying for a secured credit card to build your credit history

  • 600 – 700: You have average or fair credit. You will qualify for loans and credit cards, but on less favorable terms than someone with good credit

  • 700 – 779: YOu have good credit and will be eligible for most loans with favorable terms, as well as good credit card offers. Be sure to monitor your credit card accounts and avoid accumulating too much debt.

  • 780 or higher: You have excellent credit if you have a history of at least 5 years of making on time payments on a combination of credit cards, mortgage student loans, and car payments. You will get the best offers and loan rates.

Check Your Credit Report And Keep Records

Check your credit report each year from all three credit bureaus. Also, print and archive your credit report for your records. These reports will be especially useful if you need to dispute a report with a credit company or the bureau itself.

A mistake on your credit report could negatively impact your credit score, and it could go by unnoticed and then it will be more difficult to correct the mistake.

Know what all the information on your report means. Here is the most commonly found information on your reports:

Your Personal Information: Make sure your personal information is accuate. This includes: verifying your legal name(s), addresses, social security number, date of birth, and places of employment.

Review Your Credit Accounts and Payment History: These include mortgage accounts and home equity loans, revolving accounts (credit cards) and installment accounts where the among and term of payments are fixed, such as car or student loans. Each credit account will also indicate whether the accounts are open, closed or delinquent.

Credit inquiries: When you apply for a loan and authorize a lender to ask for your report, these inquiries are considered “hard inquiries”. If there are too many inquiries in a short period of time, these inquiries may negatively impact your credit score. Soft inquiries, such as preapproved credit offers, do not impact your credit score. 

Public Record And Collection Action: This includes bankruptcies, foreclosures, lawsuits, wage attachments, liens, judgements, and information on overdue debt from collection agencies.

Watch out For Identity Theft And Credit Fraud

Examine your report for signs of identity theft or credit fraud. The first thing to do with your credit report is review your report and make sure there is no inaccurate information. 

This will help to protect your credit score and to prevent identity theft. If you have damaged credit, you will be able to use the corrected information to fix your credit score. Make sure you check the following information:

  • Name or Names: There should be no names listed other than your own.

  • Address: Be sure the only addresses listed are places you have lived. If another address appears, it may be a sign of identity theft.

  • Credit Accounts: All of your present and past credit counts with information about late paymnets

  • Public Record Information: You will see a list of delinquent accounts, bankruptcies, lawsuits, wage garnishments, liens, judgements or foreclosures. This category is critical, so be sure everything is accurate.

Promptly Correct Inaccurate Information

If you find something wrong, file a dispute with the bureau that’s reporting it. You can do it free online at each bureau’s site:

  • Equifax: equifax.com/personal/disputes
  • Experian: experian.com/disputes
  • TransUnion: transunion.com/credit-disputes

The bureau has 30 days under the Fair Credit Reporting Act to investigate and respond. Keep documentation of anything you submit. If they refuse to remove the item and you still believe it’s wrong, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov.

Final Thoughts

Checking your credit report is free, takes about 10 minutes, and can save you from years of headaches. Set a calendar reminder every four months to pull one bureau (rotating through all three). Sign up for a free monitoring service so you get alerts when something changes. And if you’re not planning to apply for new credit soon, freeze your file.

What you don’t want is to find out about an error or fraud the day you’re trying to close on a house.

Have you gotten a free copy of your credit report yet? How will you use this information to reach your next big financial goal? Tell us in the comments below!

Editor: Clint Proctor

Reviewed by: Chris Muller

The post How To Get A Free Credit Report Every Week From Equifax, Experian, And TransUnion appeared first on The College Investor.

California bills would pause mortgage payments in disasters


Three wildfire-relief bills, including one that would let homeowners pause mortgage payments after a disaster declaration, cleared their respective California committees this month and are headed to formal votes. 

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State Assemblymember John Harabedian, D-Pasadena, whose district includes some of the neighborhoods hardest hit by the early-2025 Los Angeles wildfires, led proposals for all three bills, aimed at homeowner protections against threat of foreclosure or loss of insurance. 

The new emergency mortgage relief proposal

AB 1842, titled the California Mortgage Relief Act, would establish a legal framework and reporting rules for the first time, with the legislation allowing homeowners to pause monthly loan payments in the event of a state emergency declaration after future natural disasters or catastrophic events.  

If passed, servicers will be mandated to offer an initial 180-day forbearance period upon emergency declaration, with additional 90-day extensions allowed on borrower request, for up to 12 months. Assessment of late fees or default interest rates would be prohibited during the forbearance period per terms of the law, as well as any lump-sum repayment obligation following the end of the full term. 

“California is facing more frequent and severe natural disasters, and families should not have to worry about mortgage payments on homes they cannot live in,” Harabedian said when he introduced the bill earlier this year. 

California Assemblymember John Harabedian, D-Pasadena, in 2024.

“By extending protections and creating a statewide safety net, we are standing with families when they need it most, helping them heal, rebuild and stay rooted in their communities.”

During a state of emergency and 90 days thereafter, servicers will also be required to report to the state’s department of financial protection and innovation monthly reports detailing the number of requests received and resulting approvals or denials. 

California’s leading mortgage advocacy group raises warnings

While supporting the bill’s objective to assist homeowners, the California Mortgage Bankers Association raised warnings that the bill could prove detrimental to those it is intended to help. The trade group pointed out AB 1842 would introduce new rules that go beyond current laws and guidelines federal regulators and investors already have in place. 

“This bill goes further than current law by applying these requirements to any state-declared emergency, even if the federal government has not issued a state of emergency,” said CMBA CEO Paul Gigliotti in a video detailing legislative updates on the association’s YouTube channel.

The bill runs the risk of coming into conflict with other guidelines and would necessitate alignment of multiple sets of requirements during emergency conditions, which could delay assistance rollout, he continued.

“At the very moment when clarity and speed are most important, conflicting requirements can create confusion, and that is the last thing homeowners need during a crisis.”  

Also passing in April was AB 1847, which Harabedian introduced alongside the relief act. The law would extend the forbearance period for victims of the January 2025 wildfires for an additional two years. Homeowners in the affected communities were originally granted one year of forbearance upon request. 

The proposal also pushes out the deadline to request forbearance relief to Jan. 7, 2029, the four-year anniversary of the catastrophe. 

Both bills passed through the California Assembly’s banking and finance committee on April 21. 

“These bills are about more than mortgages — they are about giving families hope, security, and a chance to rebuild their lives after unimaginable loss,” Harabedian continued. 

While California originally passed mortgage relief laws requiring 12 months of forbearance and outlawed foreclosures immediately following the wildfires, homeowners reported instances of servicers denying or delaying relief. The reports drove Harabedian’s efforts to put requirements into law, he said. 

Insurance law would extend cancellation moratoriums

Separately, Harabedian also saw another of his proposals that would require one-year extensions of existing insurance coverage on wildfire-stricken properties move from committee to a floor vote. 

AB 2038  would prevent home-insurance providers from canceling coverage on clients with complete property losses in the Los Angeles wildfires for a total of three years, adding an additional 12 months to the existing prohibition. 

Similarly, insurers will see a two-year moratorium on cancellation of coverage for clients with homes located in ZIP codes within the wildfire perimeters.  

Co-sponsored by Assemblymember Rick Zbur, D-Los Angeles, the bill cleared the assembly committee on insurance in mid April. Current rules do not adequately take into account the difficulty of recovery, according to Harabedian. 

“Navigating recovery after a wildfire has not been a straight path,” he said following the committee vote. “Granting more time to homeowners so they can focus on recovery without the burden of insurance coverage remains crucial to reducing displacement and providing stability to our communities.”

All three bills still must pass a California Assembly vote and negotiations, followed by a similar Senate process before being signed into law.  



Inwido Q1 2026 slides: harsh winter pressures margins despite acquisitions




Inwido Q1 2026 slides: harsh winter pressures margins despite acquisitions

Can You Invest in SpaceX Pre-IPO?


You would have to go back quite some time to find an initial public offering (IPO) as anticipated as SpaceX’s. The aerospace company is looking to IPO this summer with around a $1.75 trillion valuation (the highest in IPO history). How much it ultimately fetches will depend on the market, but the lead-up has sparked significant investor interest.

Unless you’re an institution or “accredited investor,” you can’t buy shares of SpaceX on the stock market before its IPO. However, there are a few different ways to get exposure to it right now, before its IPO. 

Image sourc: Getty Images.

Invest in a company with a stake in SpaceX

The best way for the average investor to get exposure to SpaceX before its IPO is to invest in a company that owns shares in it. Google parent Alphabet (GOOG +1.81%)(GOOGL +1.78%) is a good option because it reportedly owned 6.11% of SpaceX at the end of 2025. 

In January 2015, Alphabet invested $900 million in SpaceX as part of a $1 billion package with Fidelity. At the time, SpaceX was valued at around $12 billion, and Alphabet’s initial stake was around 7%. Its stake has since been diluted — especially after SpaceX and xAI merged in February — but 6% is still a sizable holding.

There are plenty of reasons to invest in Alphabet aside from its stake in SpaceX, but knowing that Alphabet’s investment could be worth around $105 billion if SpaceX fetches its record-breaking valuation is encouraging at a time when Alphabet is increasing its spending to keep up in the AI arms race.

Alphabet Stock Quote

Today’s Change

(1.78%) $6.12

Current Price

$350.52

EchoStar (SATS +3.52%) is a key partner of SpaceX that is planning to sell the company spectrum licenses that provide crucial frequencies that SpaceX’s Starlink relies on.

As part of the agreement — which is awaiting regulatory approval — EchoStar will gain millions of SpaceX shares. The EchoStar/SpaceX deal is expected to be approved in the first half of this year. The market is optimistic that it will go through. In the past 12 months, EchoStar’s stock is up 420% (as of April 24), largely because of its relationship with SpaceX.

There are funds that contain SpaceX shares

No fund has a higher allocation to SpaceX than the Baron Partners Fund (BPTRX 0.10%). As of March 31, 33% of the mutual fund was in SpaceX. Tesla accounts for 20%. The fund has a minimum initial investment. It’s either $2,000 or $500 if you set up automatic investments.

Ark Venture Fund (ARKVX 0.04%) has 17% of its holdings in SpaceX. It’s an “actively managed closed-end interval fund that seeks long-term growth of capital by investing both private and public equities securities of companies that are relevant to the Fund’s investment theme of disruptive innovation.” It has a $500 minimum initial investment, but one key thing to note is that there are specific windows every quarter where the fund repurchases up to 5% of its outstanding shares. If you miss that window, you’ll need to wait until the next one to sell shares.

Destiny Tech100 (DXYZ +1.46%) is 32 companies into its mission of having a portfolio of “100 of the top venture-backed private tech companies.” SpaceX is one of those companies, accounting for 16% of the fund. This is a closed-end management investment company. As with all investments, potential investors will need to dig into fees and other information before making a decision.

Should you wait until SpaceX’s IPO before investing?

If you want to invest in SpaceX as directly as possible, then waiting until its IPO is the route to take. However, if you’re looking to gain exposure to SpaceX without waiting to buy its shares on the market, going through Alphabet is likely the most direct (and beneficial) route among the options above.

SpaceX’s stock will inevitably be volatile in the time after its IPO, especially with the high valuation it’s aiming for. By investing in Alphabet, you get a trifecta: SpaceX exposure, shares of one of the best tech companies in the world, and a shield from the volatility or potential struggles of SpaceX’s stock early on.

The funds are good options if you want exposure, but the mutual funds aren’t as straightforward to buy as your typical exchange-traded fund. Realistically, though, most investors are better off waiting until SpaceX’s IPO to invest in the company directly.

USVC & VCX: Retail Wants Greater Access To Private Securities


AngelList just announced a new registered, non-traded fund, USVC, to enable retail participation in the private securities sector. Fundrise, an investment platform that originally targeted private real estate investments rather than early- or later-stage private investing, recently launched a publicly traded fund, Fundrise Growth Tech Fund (VCX). These two funds, along with other options for smaller investors, are good for retail investors because they provide a path to participate in private securities, typically the realm of VCs and other professional investors.

Today, much of the capital gains from successful private firms are captured before these firms go public (if they ever do), so allowing retail participation is important for providing access to this asset class.

While USVC and VCX overlap in some of their holdings, there are differences between the two vehicles that investors should recognize.

VCX is publicly listed on an exchange, thus it provides liquidity for investors who need it. It is a tradable fund.

USVC, on the other hand, provides limited liquidity, meaning investors should be patient, as there is currently a limited path to exit their holdings.

If you value liquidity, you should take this fact into consideration.

At the same time, USVC is valued differently from VCX. USVC has a valuation policy that provides a Net Asset Value using audited financials or recent funding rounds.

VCX is market-driven, determined by buyers and sellers on an exchange. It is currently trading at a significant premium to its individual holdings. While NAV is between $18 and $20 per share, VCX is currently trading around $85 per share, or over 4X NAV.

Efficient App founder Alex Bass recently discussed this in a thread on X, stating VCX is why USVC needs to exist. 

VCX has traded between $31.21 and $575 a share. This dramatic range is probably due to a small float and a liquidity premium, but the premiums remain. Of course, the premium may diminish over time, but for investors, it is important to understand the similarities and differences between the two vehicles.

As the current administration and leadership at the SEC are supportive of expanding access to private markets for smaller investors, competition should push prices lower. This is a good thing, but it will take some time. And if Congress approves a new definition of an Accredited Investor, where acumen and sophistication count, this will help democratize further access to private markets.

 

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