Nick was the only founder left at gift rocket so he ended up doing that by himself is like negotiating another deal with the bank rewriting all of like the code that interfaces of the banks like work. That's when he started seeing the potential in this B2C market because you look at you know we had this retention problem and you just do a sequel query of like well who is actually sending over and over again? And what we found was that well there were a bunch of accounts that had signed up that were businesses that were using gift rocket for the same use cases that we the tremendous now serves which is like research incentives or like a referral incentive or something like that. These businesses needed to send