The quality of the collateral is very important as well. You can have 130% with paperwork, which is a token you printed yourself. Those are like super table stakes and trigger kind of things being rated DNF in the framework. What we're trying to avoid and why we focused on risk is that user knowing what they're getting into That case is so interesting because to have seven figures, so over a million dollars in an F, you need to either just be rich and have been fairly sophisticated or inherited a bunch of money from someone else.