Duolingo delivered a clean Q3 beat, raised full-year revenue, and still sold off as Q4 bookings guidance reset expectations. That is not a broken story, it is a sequence shift. Management is funding teaching quality to harden retention and pricing power, while DAUs and paid subscribers keep climbing. The multiple has compressed, the engine is intact, and the path to durable free cash flow is getting clearer for buy-and-hold investors.

UnitedHealth Group remains a dominant force in U.S. healthcare, backed by its scale, diversification, and strong financial performance....