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Your AI CFO.
Always On.

Profynn connects to your bank accounts, Stripe, QuickBooks, and Xero to monitor cash flow, flag risks, and deliver investor-ready reports — in plain English. No accountant needed.

No credit card required
Bank-grade security
Cancel anytime
Weekly Report
Ready to view
Risk Alert
Cash reserve low in 18 days
Profynn Dashboard · October 2025
Cash Balance
$84.2K
↑ 12% MoM
Monthly Burn
$18.6K
↑ 3%
Runway
4.5 mo
Stable
Profynn AI
Your cash flow improved this month, but accounts receivable is up 28%. If 3 invoices aren't collected by Nov 15, you may face a shortfall. Want me to draft a follow-up?
2 Active Risk Alerts
Connects to the tools you already use
The Problem

Most businesses are running
their finances blind.

A human CFO costs $3,000–$8,000 per month. Most small businesses, clinics, restaurants, and agencies can't afford that — so they guess. Profynn changes that forever.

The $5,000/Month Wall

CFO-level financial intelligence has always been reserved for companies that can afford a full-time executive. Everyone else gets spreadsheets and guesswork.

Financial Blind Spots

By the time most founders realize they have a cash flow problem, it's already a crisis. You need a system that watches your finances 24/7, not quarterly reviews.

Reports No One Reads

Dense financial reports full of jargon don't help you make decisions. You need answers in plain English: "Can I afford to hire someone next month?"

How It Works

CFO-level intelligence in three steps.

Profynn connects to your financial stack, analyzes everything in real time, and delivers insight you can actually act on.

01

Connect Your Accounts

Securely link your bank accounts, Stripe, QuickBooks, or Xero in minutes using bank-grade encryption. No data entry. No spreadsheets.

Plaid Stripe QuickBooks Xero
02

Profynn Monitors Everything

Your AI CFO analyzes every transaction, monitors cash flow in real time, tracks burn rate, and flags anything that needs your attention — before it becomes a problem.

Cash flow Risk alerts Burn rate
03

Get Answers in Plain English

Ask Profynn anything: "Can I afford to hire someone next month?" Get weekly reports, investor-ready summaries, and proactive alerts — all in plain English.

Weekly reports Q&A Investor reports
Features

Everything a CFO does.
At a fraction of the cost.

From daily cash monitoring to board-ready investor reports — Profynn handles the financial intelligence work so you can focus on building.

Risk Flagging & Alerts

Profynn detects cash runway risks, unusual spending patterns, and overdue receivables — and notifies you with clear, actionable guidance before they become crises.

Weekly Financial Health Reports

Every week, get a plain-English summary of your financial health: what changed, what it means, and what to do next. No accounting degree required.

Burn Rate Tracking

Know exactly how fast you're spending and how many months of runway you have left. Profynn updates this in real time as your spending changes.

Investor-Ready Reports

Generate polished, professional financial reports for your board or investors on demand — formatted, accurate, and ready to share in minutes.

Plain English Q&A

Ask Profynn anything about your finances in natural language. "Can I hire someone next month?" "What's my biggest expense category?" Get straight answers instantly.

See all features
Pricing announcement coming soon

CFO-level intelligence.
Not CFO-level price.

A traditional CFO costs $3,000–$8,000 per month. Profynn delivers the same financial intelligence at a fraction of that cost — built for businesses that are serious about growth, not just the ones with deep pockets.

Pricing plans starting at a fraction of a traditional CFO — join the waitlist for early access pricing.

Ask Profynn Anything

Your finances, in plain English.

No spreadsheets. No jargon. Just answers.

You
"Can I afford to hire a full-time employee next month?"
Profynn AI
Based on your current cash balance of $84,200 and average monthly burn of $18,600, adding a $4,500/month employee would reduce your runway from 4.5 months to 3.1 months. I'd recommend waiting until your November receivables clear first — you have $22,400 in outstanding invoices due by Nov 15. Want me to model the impact of hiring in December instead?
You
"Generate an investor update for Q3."
Profynn AI
Your Q3 report is ready. Revenue grew 34% quarter-over-quarter, gross margin held at 68%, and operating expenses stayed flat. Key highlight: your SaaS MRR crossed a milestone in September. Formatting as a board-ready PDF now — ready to share in 30 seconds.
Join the Waitlist

Be first when Profynn launches.

Get early access pricing, priority onboarding, and be among the first businesses to have an AI CFO working for them around the clock.

No credit card required. Early access pricing for waitlist members.

You're on the list.

We'll be in touch soon with early access details. Keep an eye on your inbox.

Our Story

Built by founders,
for founders.

We spent two years talking to small business owners every single day. We know the problem intimately — and we built Profynn to fix it.

The Origin

Two brothers. One mission. Every business deserves a CFO.

We're Lakshay and Aurnav — two brothers from India who spent years watching small business owners make critical financial decisions with nothing but gut instinct and outdated spreadsheets.

Restaurant owners who didn't know their margins. Agencies that couldn't tell whether they could afford their next hire. Clinics running out of cash before they realized it. The problem wasn't capability — it was access.

A human CFO costs $3,000–$8,000 per month. The businesses that need financial intelligence most are exactly the ones who can't afford it. We built Profynn to end that forever.

After two years of conversations with small business owners across industries, we know this problem deeply. Profynn isn't a product we built in a weekend — it's built on hundreds of hours of listening to the people it's meant to serve.

2 yrs
Talking to small business owners every day
Global
Building for businesses worldwide
"Every small business deserves CFO-level intelligence. Not just the ones who can afford $5,000 a month. We're building the financial brain that every business on earth should have."
Lakshay Manmeet Sharma CEO & Co-Founder, Profynn
Built for every business on earth
From restaurants in Mumbai to startups in San Francisco — if you have a business and a bank account, Profynn is for you.
Security-first architecture
Your financial data is protected with bank-grade encryption. We never store your credentials — only the insights derived from them.
The Team

Meet the founders.

Two brothers on a mission to democratize financial intelligence for every business on earth.

L
Lakshay Manmeet Sharma
CEO & Co-Founder
Spent two years deep in conversations with small business owners across India and globally, building a ground-level understanding of the financial blindspots that hold businesses back. Leads product vision, growth, and customer development at Profynn.
A
Aurnav Manmeet Sharma
CTO & Co-Founder
The technical architect behind Profynn's AI engine and financial data infrastructure. Leads engineering, AI model development, and the secure integration layer that connects Profynn to the world's leading financial platforms.
Our Mission

Make CFO-level financial intelligence
accessible to every business on earth.

Not just the ones who can afford $5,000 a month. Every restaurant. Every clinic. Every agency. Every startup. Every contractor. If you have a business and a dream, you deserve a CFO-level financial brain in your corner.

Everything You Need

Your AI CFO,
fully loaded.

Every feature a CFO would deliver — automated, always on, and in plain English. No spreadsheets. No accountant. No guessing.

Core Intelligence

Real-Time Cash Flow Monitoring

Most businesses discover cash flow problems when it's too late. Profynn watches your money move around the clock — across every connected account, every transaction — and surfaces what matters.

Whether money is coming in from Stripe, going out via bank transfer, or sitting in receivables, Profynn tracks it all in one unified view.

  • Live balance tracking across all connected bank accounts
  • Inflow vs. outflow breakdowns, updated in real time
  • Accounts receivable and payable monitoring
  • Seasonal trend detection and pattern recognition
  • Automated reconciliation with your bookkeeping tools
Cash Flow · Live
Net Cash Position
$84,200
↑ 12% MoM
Inflows (Oct)
+$42,800
Outflows (Oct)
-$18,600
Proactive Intelligence

Risk Flagging & Alerts

Profynn doesn't wait for you to notice a problem — it detects risks before they become crises, and tells you exactly what to do about them.

From an invoice that's about to be 30 days overdue to a spending spike that doesn't match your normal patterns, Profynn's alert system keeps you one step ahead.

  • Cash runway projections with real-time updates
  • Overdue receivables detection and escalation alerts
  • Unusual spending pattern detection
  • Low balance and liquidity risk warnings
  • Payroll coverage verification before pay periods
Active Alerts
HIGH PRIORITY
Cash runway below 5 months
At current burn rate of $18,600/mo, you have 4.5 months of runway. Collecting outstanding invoices would extend this to 5.7 months.
MEDIUM
3 invoices overdue >14 days
$22,400 in receivables are 14–28 days overdue. Recommended: send follow-up reminders this week.
RESOLVED
Payroll coverage confirmed
You have sufficient funds to cover the Nov 1 payroll of $8,400.
Plain English Intelligence

Weekly Reports & Investor-Ready Summaries

Every week, Profynn generates a plain-English summary of your financial health — what changed, what it means for your business, and exactly what you should do next.

When you need to update investors or your board, generate a polished, professional financial report on demand — formatted and ready to share in minutes.

  • Weekly plain-English financial health digest
  • P&L summaries without accounting jargon
  • Board-ready investor update reports on demand
  • Revenue and expense trend analysis
  • Actionable recommendations every report
Weekly Report · Oct 28, 2025
Profynn Summary
This week was strong. Revenue is up 8% from last week, your biggest expense (payroll) is right on budget, and you're on track for your best October yet. One thing to watch: your SaaS subscriptions crept up 14% — worth a review.
Revenue
↑ 8%
Expenses
On track
Health
Good
Action item: Review SaaS spend — 3 subscriptions may be redundant. Potential savings: $340/mo.
Financial Health

Burn Rate Tracking & Runway Modeling

Know exactly how fast you're spending and precisely how many months of runway you have — updated the moment your spending changes, not when you think to check.

Profynn models multiple runway scenarios based on your actual spending, revenue projections, and planned hires, so you can make decisions with confidence.

  • Gross and net burn rate, updated in real time
  • Runway projections based on current trajectory
  • "What if" scenario modeling for hiring and expansion
  • Revenue impact analysis on runway extension
  • Month-over-month burn trend tracking
Runway Model
Current Runway
4.5 months
Current trajectory
4.5 mo
+ Collect outstanding invoices
5.7 mo
+ New hire (Nov)
3.1 mo
Conversational Finance

Plain English Q&A — Ask Your Finances Anything

Forget digging through reports and spreadsheets. Just ask Profynn what you need to know, in the same way you'd ask a trusted CFO sitting across from you.

Profynn understands your business context, your history, and your goals — so the answers you get are specific to you, not generic financial advice.

  • "Can I afford to hire someone next month?"
  • "What's my biggest expense this quarter?"
  • "How does my revenue compare to last year?"
  • "What happens to my runway if I raise prices 10%?"
  • "Generate an investor update for Q3."
You
"What's my biggest expense this quarter and can I reduce it?"
Profynn AI
Your largest expense this quarter is payroll at $32,400 (58% of total expenses). This is appropriate for your stage. Second is SaaS subscriptions at $4,200. I found 3 potentially redundant tools — cancelling them could save $340/month. Want to see the breakdown?
Integrations

Works with the tools you already use.

Profynn connects securely and deeply to the platforms that power your business finances. Each integration is purpose-built — not a surface-level connection, but a full data pipeline that feeds your AI CFO.

Stripe
Revenue Intelligence Layer
CONNECTED

Stripe is the lifeblood of most modern businesses. Profynn doesn't just pull your total revenue — it ingests your entire Stripe data model to give you a CFO-grade view of your revenue health.

From MRR trends and subscriber churn to dispute rates and payout timing — Profynn turns raw Stripe data into actionable revenue intelligence.

  • Monthly Recurring Revenue (MRR) tracking and trend analysis
  • Churn rate monitoring with cohort-level breakdowns
  • Subscription lifecycle events: upgrades, downgrades, cancellations
  • Payout schedule sync — know exactly when cash hits your bank
  • Dispute and refund rate flagging with risk scoring
  • Revenue by product, price, and customer segment
  • Failed payment detection and recovery impact modeling
Stripe · Revenue Dashboard
MRR
$24,800
↑ 18% MoM
Churn Rate
2.1%
↓ 0.4% vs last mo
Next Payout
$8,340
in 2 days
Failed Payments
$1,240
4 at-risk subs
Profynn AI · Stripe Insight
4 subscribers have failed payment attempts in the last 7 days — totalling $1,240 at risk. Sending retry reminders now could recover ~$940. Want me to generate the outreach?
Dispute Rate: 0.3% — within Stripe's safe threshold
Plaid
Bank Account Intelligence
CONNECTED

Your bank accounts are the ground truth of your finances. Via Plaid's industry-leading bank connectivity layer, Profynn accesses real-time transaction data from over 12,000 financial institutions — securely, with read-only access.

Every dollar in and out of every connected account flows into Profynn's AI engine — categorized, tagged, and analyzed continuously so you never miss a thing.

  • Connect 12,000+ US, UK, and Canadian financial institutions
  • Real-time transaction enrichment — merchant, category, and intent
  • Multi-account aggregated balance view
  • ACH and wire transfer tracking with counterparty identification
  • Recurring payment and subscription detection across all accounts
  • Cash flow pattern analysis and anomaly detection
  • Read-only OAuth access — Profynn never stores your credentials
Bank-grade security. Plaid is used by over 8,000 financial apps including Venmo and Robinhood. Your data is encrypted in transit and at rest using AES-256. We never see your login credentials.
Plaid · Bank Intelligence
Connected Accounts
Chase Business Checking
••••4821
$62,400
Mercury Savings
••••3309
$21,800
Recent Transactions · Categorized
AWS Services — Cloud Infrastructure -$840
Acme Corp — Client Payment +$12,500
Slack — SaaS Subscription -$87
Anomaly detected: AWS spend up 34% vs 3-month average. Profynn flagged for review.
QuickBooks
Accounting & P&L Sync
CONNECTED

Profynn syncs your full QuickBooks data model — not just totals, but the underlying chart of accounts, vendor relationships, and invoice lifecycle that make your P&L meaningful.

P&L and Balance Sheet sync (real-time)
Invoice aging and overdue receivables
Vendor spend analysis by category
Payroll sync with burn rate integration
Tax estimate tracking throughout the year
AI Insight: Profynn detected $4,200/mo in recurring vendor charges that aren't categorized — fixing this could improve your P&L accuracy by 12%.
Xero
Accounting & Payroll Sync
CONNECTED

For businesses running on Xero, Profynn provides the same depth of financial intelligence — pulling accounting data, payroll runs, and multi-currency transactions into a unified AI-powered view.

Full accounting sync: P&L, Balance Sheet, Cash Flow
Payroll run tracking and payroll burn modeling
Multi-currency transactions with FX tracking
Invoicing pipeline and debtor aging reports
Bank reconciliation status and discrepancy alerts
AI Insight: Your last payroll run ($8,400) cleared on the 1st. Next run is in 13 days — Profynn has already verified you have sufficient liquidity.
Coming Soon to Profynn
Shopify
FreshBooks
HubSpot CRM
PayPal
Square
Gusto Payroll
Brex
Early Access

Ready to stop guessing?

Join the waitlist and be among the first to have an AI CFO working for your business around the clock.

Get in Touch

We'd love to hear from you.

Whether you're a founder interested in early access, a potential integration partner, or just want to say hello — our inbox is open.

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Building for every business on earth

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Stripe Integration

Revenue intelligence,
powered by Stripe.

Profynn ingests your entire Stripe data model — subscriptions, payouts, disputes, MRR trends — and transforms it into CFO-grade revenue intelligence you can act on instantly.

MRR
Monthly Recurring Revenue tracked in real time
Churn
Subscriber churn detected and modeled automatically
Payouts
Payout schedule synced so you know when cash lands
What Profynn Reads from Stripe

Every revenue signal, analysed.

Most tools just pull total revenue. Profynn reads the full Stripe data model so your AI CFO has every signal it needs.

MRR & ARR Tracking

New MRR, expansion MRR, contraction MRR, and churned MRR — broken down by plan, cohort, and time period with trend graphs updated daily.

Churn Rate & Retention

Subscriber churn tracked at cohort level. Profynn flags when churn rate deviates from your baseline and models the revenue impact 90 days out.

Payout Schedule Sync

Stripe's rolling payout cycle synced with your bank balance projections. Know exactly when each payout lands — no more cash flow surprises mid-month.

Dispute & Refund Monitoring

Dispute rate tracked against Stripe's safe threshold (0.8%). Refund volume monitored with anomaly detection — Profynn alerts you before rates become a risk.

Failed Payment Detection

Identify subscribers with failed payment attempts. Profynn models the at-risk MRR and can help you craft targeted recovery outreach before they churn.

Revenue by Plan & Segment

Break down revenue by product, price point, and customer segment. Understand which plans drive growth, which have the highest churn, and where to focus.

How It Works

Connected in minutes. Insights in seconds.

01

Authorize via Stripe OAuth

Connect your Stripe account with one click using Stripe's secure OAuth. Read-only access — Profynn never touches your payouts or customer data.

02

Full Historical Import

Profynn imports up to 24 months of Stripe history — charges, subscriptions, payouts, disputes — to establish your revenue baseline immediately.

03

Real-Time Webhooks

New charges, failed payments, and subscription events are pushed to Profynn via webhooks — your dashboard updates in real time, not once a day.

04

AI Analysis & Alerts

Your AI CFO continuously analyses your Stripe data, surfaces trends, flags risks, and proactively tells you what needs your attention before it costs you.

Live Dashboard Preview

What your Stripe data looks like inside Profynn.

Stripe · Revenue Intelligence · Live
MRR
$24,800
↑ 18%
Churn
2.1%
↓ 0.4%
Next Payout
$8,340
2 days
Disputes
0.3%
Safe
Profynn AI · Stripe Alert
4 subscribers have failed payment attempts totalling $1,240 at risk. Smart retry + outreach could recover ~$940. Want me to draft recovery emails?

Ready to connect Stripe?

Join the waitlist for early access — Stripe is one of our day-one integrations.

Plaid Integration

Your bank accounts,
finally intelligent.

Via Plaid's industry-leading connectivity layer, Profynn accesses real-time transaction data from 12,000+ financial institutions — enriched, categorized, and fed directly into your AI CFO.

12,000+
Financial institutions supported across US, UK & Canada
Read-Only
OAuth access — Profynn never stores your credentials
AES-256
Bank-grade encryption on all data in transit and at rest
What Profynn Reads from Plaid

Every transaction, enriched and understood.

Raw bank data is noise. Profynn turns it into signal — categorized, contextualized, and continuously monitored.

Multi-Account Balance Aggregation

All connected checking, savings, and business accounts aggregated into a single real-time balance view. No more logging into multiple bank portals.

Transaction Enrichment & Categorization

Every transaction enriched with merchant name, category, and business intent. Plaid + Profynn AI together achieve industry-leading categorization accuracy.

Recurring Payment Detection

Profynn automatically identifies all recurring charges across your accounts — subscriptions, rent, loans — and tracks them in your expense model.

Cash Flow Pattern Analysis

Seasonal trends, inflow/outflow timing, and cash cycle patterns analysed across months to give your AI CFO a full picture of how money moves through your business.

Anomaly Detection & Alerts

Unusual transactions, unexpected large outflows, and spending spikes detected in real time — Profynn flags them the moment they appear, not at month-end.

Security-First Architecture

Plaid is used by 8,000+ financial apps. Read-only OAuth means Profynn can never initiate transactions. Your credentials are never stored anywhere in our system.

How It Works

Bank connectivity that just works.

01

Launch Plaid Link

Plaid Link's bank-grade secure modal opens inside Profynn. Search your bank, authenticate directly with your institution — we never see your login.

02

Select Accounts

Choose exactly which accounts to connect. Add multiple accounts from multiple banks — checking, savings, credit lines — all in one session.

03

Historical Import

Profynn pulls up to 24 months of transaction history to establish your baseline patterns and give your AI CFO full context from day one.

04

Live Transaction Feed

New transactions are synced continuously. Your AI CFO monitors every movement in real time and alerts you the moment something needs attention.

Live Dashboard Preview

Your bank data, inside Profynn.

Plaid · Bank Intelligence · Live
Connected Accounts
Chase Business Checking
••••4821 · Updated 2 min ago
$62,400
Mercury Savings
••••3309 · Updated 2 min ago
$21,800
Recent Transactions
Acme Corp · Client Payment+$12,500
AWS Services · Cloud Infrastructure ⚠-$840
Slack · SaaS Subscription-$87
Anomaly: AWS spend is 34% above your 3-month average. Profynn flagged for review.

Ready to connect your bank?

Join the waitlist — Plaid bank connectivity is live on day one.

QuickBooks Integration

Your accounting data,
turned into decisions.

Profynn reads your entire QuickBooks data model — P&L, balance sheet, invoices, expenses — and puts a CFO-grade intelligence layer on top of it, in plain English.

P&L
Profit & Loss synced in real time, not just month-end
Invoices
Invoice aging and overdue receivables tracked automatically
Expenses
Vendor spend categorized and analysed for savings opportunities
What Profynn Reads from QuickBooks

Full accounting intelligence, automated.

QuickBooks holds the truth about your business finances. Profynn makes sure your AI CFO understands every line of it.

P&L & Balance Sheet Sync

Real-time P&L and balance sheet data — not just totals, but line-item detail by account, class, and location so your AI CFO understands the full financial picture.

Invoice Aging & Receivables

Every open invoice tracked from creation to payment. Overdue receivables flagged automatically with aging buckets (30/60/90 days) and impact on cash flow modelled.

Vendor Spend Analysis

All vendor payments categorized and analysed. Profynn identifies your top vendors, spending trends, and surfaces opportunities to renegotiate or consolidate.

Payroll & Headcount Costs

Payroll data synced with burn rate modelling. Profynn knows your payroll schedule and factors it into all runway projections — including modelling future hires.

Tax Estimate Tracking

Quarterly tax estimates calculated based on your real P&L data throughout the year — no end-of-year surprises. Profynn keeps a running tax liability estimate at all times.

Expense Category Intelligence

Expenses broken down by category with trend analysis. Profynn identifies categories growing faster than revenue — a key early warning sign CFOs look for.

How It Works

Connected to QuickBooks in minutes.

01

OAuth Authorization

Authorize Profynn via Intuit's official OAuth flow. Your QuickBooks login credentials are never shared with or stored by Profynn.

02

Full Data Import

Profynn imports your complete chart of accounts, transaction history, invoices, expenses, and payroll records — going back up to 3 years.

03

Baseline Modelling

AI analyses your historical data to establish expense baselines, revenue patterns, and seasonal trends — the foundation of all future CFO-level insights.

04

Continuous Sync

Changes in QuickBooks sync to Profynn automatically. Every new invoice, payment, and expense updates your AI CFO's picture in real time.

Already on QuickBooks?

Connecting takes under 2 minutes. Join the waitlist for early access.

Xero Integration

Xero accounting data,
with a CFO on top.

Profynn connects deeply to Xero — syncing your accounting, payroll, and multi-currency data into a unified AI-powered financial intelligence layer that works around the clock.

Full Sync
Complete accounting data: P&L, balance sheet, cash flow statement
Payroll
Payroll run tracking integrated directly with burn rate models
Multi-FX
Multi-currency transactions tracked with live FX rate impact
What Profynn Reads from Xero

Deep accounting intelligence, in plain English.

Xero holds your financial truth. Profynn translates every line of it into insights you can act on — without needing an accountant to decode it.

Full Financial Statement Sync

P&L, Balance Sheet, and Cash Flow Statement synced continuously. Profynn keeps a live view of all three — updated with every transaction, not just at month-end.

Payroll Run Tracking

Every payroll run captured and factored into your burn rate model. Profynn verifies liquidity before every payroll period and alerts you if there's a risk of shortfall.

Multi-Currency & FX Intelligence

Transactions in multiple currencies tracked with live FX rates. Profynn models FX exposure and alerts you when currency movements are impacting your margins.

Debtor Aging & Invoice Pipeline

All outstanding invoices tracked in real time with aging analysis. Profynn flags accounts approaching 60/90 day thresholds and models the cash flow impact of delays.

Bank Reconciliation Monitoring

Xero reconciliation status monitored continuously. Profynn alerts you when unreconciled items exceed a threshold — keeping your books clean between accountant visits.

Expense Claims & Reimbursements

Staff expense claims tracked and categorized. Profynn monitors reimbursement volumes and flags unusual patterns before they create accounting discrepancies.

How It Works

Your Xero, fully plugged in.

01

Xero OAuth Connect

Authorize Profynn via Xero's official OAuth 2.0 flow. Your Xero credentials remain entirely with Xero — Profynn never sees or stores them.

02

Full Historical Sync

Profynn imports your complete Xero history: chart of accounts, transactions, invoices, payroll runs, and expense claims — up to 3 years back.

03

AI Baseline Analysis

Profynn's AI analyses your historical Xero data to model expense trends, payroll cycles, and revenue patterns — your CFO's foundational knowledge base.

04

Real-Time Updates

Changes in Xero push to Profynn automatically via webhooks. New invoices, payroll runs, and transactions update your AI CFO's intelligence in real time.

Running Xero already?

Join the waitlist — Xero connects on day one. Setup takes under 2 minutes.