Arif Karim is a senior investment analyst from Ensemble Capital, and an expert on Netflix, Ferrari, and Schwab. Arif understands companies to their core. He starts his research by figuring out what led them to where they are, and what competitive advantages they have. The interview starts at (18:18). Before we get to the interview our hosts Ryan Henderson and Brett Schafer discuss the new oil crisis (1:00) and the Dorsey saga part 2 (7:50). For the current state of fintwit this week we talk the Shopify University (13:51) and the new epidemiology experts (15:45). After that we've got our interview with Arif (18:18) and we follow it up with our Hot Water (1:45:20), FMK (1:49:00), and Anecdotal Evidence (1:50:38).