Hi Matthew,

I have a question for you. Is there a reason why you decided to promote this new offering on multiple channels under the guise of a normal user, rather than being upfront that it was being directly promoted? If there wasn't a reason, can you explain to the community why you think this type of behavior is acceptable?

I saw the exact same post on reddit and a number of other sites, all with the same marketing language and all under the guise of regular accounts that had been recently created with a few fluff posts.

Also can you please answer the criticisms that have been leveled against you and the FTG app and why so many non cash back cards are recommended when a user has selected "cash back".

Thank you in advance for your timely response.