By Now Pay Later

There's a lot of downstream implications too for saying this is not alone, right on the car network side. If we're saying this isn't debt, then we're not repaying it with a credit card and that's not prohibited under the rules. And I think that's exactly what the CFPB is focused on. It's like, you're living in Massachusetts versus Florida. You don't know what your state laws are around this and what should be allowed or not. But I also have this sort of thought about the merchants offering these solutions,. This is kind of considered this sort of trifecta win when people wax philosophical about by now pay later.