CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating activities:
Net loss	$ (87,425,000)	$ (80,404,000)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	1,481,000	1,908,000
Amortization of internally developed software	11,030,000	13,233,000
Stock-based compensation expense	15,125,000	17,741,000
Deferred income taxes	(4,340,000)	(9,311,000)
Impairment charges	7,413,000	0
Other non-cash items	(43,000)	5,000
Changes in operating assets and liabilities:
Accounts receivable	(1,871,000)	2,110,000
Contract assets – commissions receivable	104,582,000	104,160,000
Prepaid expenses and other assets	(9,896,000)	(12,597,000)
Accounts payable	(1,965,000)	181,000
Accrued compensation and benefits	(14,593,000)	6,102,000
Accrued marketing expenses	(11,132,000)	(16,347,000)
Deferred revenue	861,000	1,323,000
Accrued expenses and other liabilities	69,000	(1,410,000)
Net cash provided by operating activities	9,296,000	26,694,000
Investing activities:
Capitalized internal-use software and website development costs	(8,070,000)	(7,028,000)
Purchases of property and equipment and other assets	(1,463,000)	(1,759,000)
Purchases of marketable securities	(85,880,000)	(48,602,000)
Proceeds from redemption and maturities of marketable securities	39,000,000	40,900,000
Net cash used in investing activities	(56,413,000)	(16,489,000)
Financing activities:
Net proceeds from exercise of common stock options and employee stock purchases	354,000	262,000
Repurchase of shares to satisfy employee tax withholding obligations	(2,301,000)	(1,935,000)
Principal payments in connection with leases	(4,000)	(33,000)
Payments of preferred stock dividends	(2,740,000)	(873,000)
Net cash used in financing activities	(4,691,000)	(2,579,000)
Effect of exchange rate changes on cash, cash equivalents and restricted cash	118,000	(58,000)
Net increase (decrease) in cash, cash equivalents and restricted cash	(51,690,000)	7,568,000
Cash, cash equivalents and restricted cash at beginning of period	118,812,000	147,640,000
Cash, cash equivalents and restricted cash at end of period	$ 67,122,000	$ 155,208,000