Is There a Connection Between the Tipping Model and Underwriting?

The underwriting essentially is figuring out if somebody is working and earning money or not. When they're prioritizing where they want to like be in good standing, we're going to be on the top of that list. And so it's really very, very minimal. We also have access to capital that we pay for in order to be able to fund these. Sometimes we have those costs and actually those costs are quite material.