Digital disruptors was an endeavor which was trying to take old line businesses to create a new new line business in effect it was using Clayton Christensen's disruptive innovation model. The idea was that we could go to a bank and say look you have your banking model and you're running it but let's set up a digital bank right? And so I think the model had some relevance but I think we had we were trying to do too many things in too many industries at the same time, he said.