We are bound feel volatility in any given business from time-to-time, but the diversification that we’ve put in place, enable us to whether those blips time and again. Thank you.Stock Advisor launched in February of 2002. Is that fair characterization?Yeah, it was, I think the guide the guide sort of, guide in part contemplated some of the difficulty in card, in the fourth quarter. So that's the double count there.So that definitely goes away. And so you got to pause and then you got to go back and make sure your ROIs are right, and this is speaking from your CEO, who's also an accountant. I think the personal loan market is not going to be dead forever.The private student loan market is not going to be dead forever, which is a big Q3 business for us. And so as J.D. The first part of the question, Doug nailed it. And we've got that now. And then the other question was the variable marketing margin was unusually high this quarter.Is there anything that you could pull from that, that could make it sustainable going forward or at least pull up that VMM from where it was historically? We recorded revenue of $5.4 million and a loss of $100,000. And I firmly believe we’re just scratching the surface. If we get to the day where mortgage is money constrained, not human constrained, you could see then you would see liquidity in the housing market in the mortgage market, that would be really, really interesting, except for the cost to do it.No, no. On balance, it’s helping us. When we went to people and said plan B, we didn't say, give us your bare minimum. We’re continuing to add new features throughout this year and our engagement numbers are actually very, very ambitious and to make, to the extent it makes sense. We’re comparing to fourth quarter of 2018 when our growth and margin in personal loans was, it was, it’s a difficult comparison those comparisons will get a little bit easier as we go through the year.And the only other thing I’d add on to what J.D. We're able to know we're able to know our tech capacity better. LendingTree empowers consumers to shop for financial services the same way they would shop for airline tickets or hotel stays, by comparing multiple offers from a nationwide network of over 500 partners in one simple search and choosing the option that best fits their financial needs. We expanded benefits for employees around COVID and also added a work-from-home stipend, all things we were happy to do for our employees. Next on the cohorts and MLT? These forward-looking statements are subject to risks and uncertainties and LendingTree’s actual results could differ materially from the views expressed today.
Other than tax time.

We are integrating, and we've got teams working on it, and I'm going to ask J.D. While we’re just a month and a half into the new year and it would be premature to offer too much information.

Coming from that. And we’re still actually having revenue events from people who signed up in 2018, which is the cohort behavior that we hope for.Now, more importantly as it relates to My LendingTree, what we’ve built is, when we talk about these partnerships.

Now that takes a long time, but some of the things that have occurred this past year that are largely directed at our existing lender base should actually be very extensible to a broader base of lenders, brokers, banks, etc. Right. MTNewswires • 4 days ago. And you can reach out to Trent after the call with any specific questions.Let me first start with our Insurance segment, which continued its run of impressive results, delivering revenue in the quarter of $70.9 million, up 127% over the prior period or 37% on a pro forma basis. And we still see, for example, over half of the customers who are coming to LendingTree are even tire kickers, they're actually going and getting loans, sometimes from people on our own network. And our revolver served us very well. The answer is yes, more interesting companies are coming our way, but not all for the same reason. And then just quick on the marketing partners in credit card that were underperforming. Your next question comes from Nat Schindler with Bank of America Merrill Lynch.Two questions. And then you just we're basically marketing against capacity and how much lenders can handle. Within Home, revenue from our traditional mortgage products purchase and refi continued to accelerate growing 16% year-over-year after just returning to positive year-on-year growth in the third quarter. The users are growing and the economics will come back. Or is this just a, I don't know, cyclical reality of where the business is, and it's natural to expect that to kind of float back down to those mid-30s levels?Let me start, and then I'll let J.D. Yes, what we've seen.

Great, thank you very much. So, we’re obviously monitoring performance. I’d like to spend a few minutes walking through the fourth quarter’s financial results and provide some color on our first quarter guidance before we open up the call for Q&A.I’ll discuss our Q4 results in the context of our newly introduced segment reporting, which I hope you’ll find helpful in understanding the underlying drivers of performance.
I don't have a lot to add. Do you have any information on the relative size of Credit Karma relative to you at this point? But we’re going to look at those opportunities in isolation, not just the market is paying this and so we’ve got to pay this. But Doug, I just wanted to revisit maybe the philosophy around investment. And I think while capacity is constrained.

Good morning, ladies and gentlemen, and welcome to the LendingTree fourth-quarter 2019 earnings conference call. Thank you all and we’ll talk to you next quarter.https://www.youtube.com/watch?v=50yUaLybUnA&t=667s China-based internet search firm Baidu Inc. (NASDAQ: BIDU) reported financial results for the second quarter of 2020 on Thursday after the market's close.

And that's what we've been doing. Youssef, let me start with the first one in the card business, you have to think about both sides. As a reminder, the Home segment includes purchase and refinance mortgage, home equity and reverse mortgage, the latter two were down significantly from Q4 2018 and that’s really a reflection of the market environment. The company, LendingTree Inc, is set to host investors and clients on a conference call on 04.08.2020 09:59:03.