2020 IPOs cost way too much, and are worth buying now that they are out of style and cheaper. They provide cloud-based banking software with few, if any, competitors. It IPO'd last July at $91, too high. He recommended $68. It zoomed up, then plunged to $57 last month--the buying price. It's rebounded to the low-$70s. You can buy it at current dips, but don't rush into it.