The number one thing people called us for were extensions. We thought that treating people with respect and dignity was the secret to them performing better. So then we realized, let's just we don't even need to call and ask us. Were going to automate the process of extension. And you know what? 90 % of people pay within two weeks. That's how great it feels when your professor or your boss or your friend grants an extension before you even ask. But quantitatively, the case for automatic extensions is just as strong. It improved repayment rates while decreasing the frequency of service calls.