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Why are you or are you not investing in Upstart $UPST+2.1%?

This highly volatile company is very well followed by investors and there are often mixed views and opinions on it, how do you like this company?

UPST
$23.35 $0.48 +2.10%

I don't know the company, but as far as I can tell, it's too risky for me, so I don't want to include this company's stock in my portfolio.