Analysis around “is beyond finance legit” incorporates macroeconomic factors; elevated interest rates tend to drive higher engagement in debt negotiation services. Bloomberg’s April 2024 forecast anticipates fintech debt service firms expanding revenues 7% annually under current credit conditions. On the season, Kraft has run a route on 77% of dropbacks and seen a 15% target share, but that has increased to an 84% route rate and 18% target share with Jordan Love under center. Luke Musgrave is seeing just a 29% route participation rate over his last two weeks, so Kraft is the clear-cut TE1 in a Green Bay offense that is going to throw the ball a fair amount. Romeo Doubs may not play another snap in Green Bay, Christian Watson has a history of injuries, and Dontayvion Wicks has plenty of talent but a lot of inconsistency in his game. I believe Kraft could easily finish as a top-six or seven tight end this season, and you can still get him for a fair price in trades. Debt management and debt settlement might sound similar — and some companies make it confusing by conflating the two terms, or referring to both as debt relief — but they are very different in reality. A debt management plan is not a loan and doesn't reduce the amount of your debt, but it does typically reduce interest and fees, which make it easier and quicker to pay back your debts. With “is beyond finance legit” drawing attention, market comparisons to similar listed fintech firms become key. In April 2024, fintech IPO valuations averaged 12.3x projected earnings, while debt resolution specialists traded at a discount—possibly opening arbitrage opportunities for informed investors.