i used to have this problem all the time, which is, when i was young, maybe i couldn't get a credit card. But Brex came to market and said like, hay, there's a better way. Let's do audidebits and just under write kind of proactively on this. And jason, i'm sure youve heard some horror stories, but i'll never forget,. we had a company that wasn't going to make it, and they had a senior lender who would sweep all the cash. The reason why brexs has such a big valuation is they figured this out....