If you are not making money on that lending product and you're essentially subsidizing and kind of giving free money, then you don't know if this real product market fit. If you can charge enough to lend and make money and if you can still retain the customer then there's some product market fit is that right? So I feel like there's a lot of greatness happening there. You need to be careful, make sure that it makes sense from a business standpoint, but that's that's kind of my high level point. Well, we are in time. Thank you so much, Toma for sharing all the perspectives right from the early founding days of gusto to expanding to new sectors