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Citizens Pay - What's on the Horizon?
Citizens pay is going to continue down our more differentiated path. We won't go out similar to other fintech lenders and try to grab 10,000 50,000 retail partners. But those are going to be of significant kind of material volume right in terms of the needs that are being solved for those larger retailers. So I overall feel like we are very well positioned bank point B and P L is well positioned as more and more banks into the fray.