There is a gating factor, which is how much money the startup wants to take in. So as you're going through this thinking, your argument really is that you can spread the risk across a wider base. We wouldn't have to exclude 95% of the people in the United States. And then that could make more people move up from poor to middle-class,. middle-class to rich, rich to... The rich don't have a problem already. They have access already.

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