Chris Hill: I'm Chris Hill and that's Dave Girouard, the CEO of Upstart Holdings, a lending platform that uses AI to determine creditworthiness instead of the traditional credit score. The company ran into hot water when some investors were less than pleased to find loans on its balance sheet; year to date shares of Upstart are down more than 70%. Girouard joined Motley Fool CEO Tom Gardner to break down how Upstart is using its balance sheet, growth opportunities moving forward, and one stock idea outside of his own company.