Fintech Opportunity

At this point, ye're building this infes structure on this btobe market place. But then you do have optionality in all sorts of ways. You mention the fintech opportunity may be down the line. There's the b to se opportunity. How do you think about sequencing all of that? And when the right time to layer different pieces of the business on or so the fintex side is something that we've already started working on. That fits very well into the access to market problm or the betebe market place. Problimg that result to ta something that we’ve already started executing, both on the supply and demand side.