Technology that we're developing wit thes utility far beyond any single bank ind what they would want to do. So, you know, there's a good reason to be a bank. Lotted. Some fintex are deciding to become banks. But in our view, the most impactable thing you could do is to insert this technology into as the highest fraction of credit originations of all flavors going on in the united states,. and eventually the world. You could never do that as a bank. The business model is largely a market place, with consumers on one side, banks and lenders and investors on the other side. An capital market's investures. They react emotionally, sometimes more