We believe our platform is a potentially market share leader in the us. And that category, and has become so for the last few years. But you know, thattat it's not a main streat d credit product,. meaning most banks don't really offer personal loans at scale. Well, let's go to autolending now, and enlighten us, teach us all the differences, o between personal d auto lending, the size of the market, the competitive dynamics in those markets, the potential margins and the amount of market shareof that you think is available to upstartin the two different categories.