When we were first working on the cash card, the state of the art and market was a not really impressive in any real way. So one of our underlying objectives was to create a physical card product that people were proud to take out of their wallet. We wanted your pride to be much more representative of you than necessarily representative of us. And then the third part was we had to be like relatively disciplined about costs so it couldn't cost materially more than a B of A card or anything like that.

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