In many ways, they're a lot like a subrated or a message board, but with a bank account, you develop relationships that are personal. Instead of just limiting it to a chat or conversation, you can begin to deploy capital against that too. And that, i think, is the direction where we're gong to see more or more organizations continue to move towards. You don't have to be located in the same small sliver of california, nor new york, new York, or another major city. It opens up a whole new vector for people to work together in ways that are different riht. In swar was the example rulof botha was