Robinhood is unfortunately not doing as well as it did during the pandemic. What are 2-3 PESTEL factors that you think have changed over time to impact Robinhood's competitiveness in a negative manner? (Clearly identify the trend and which letter of the PESTEL analysis it falls under...For example, "One example of a Socio-cultural trend can be the shift from skinny pants to wide pants and platform shoes. This impacts Robinhood because....)