When i was under writing sofi, what you're trying to understand is how to banks generate net innet inchrist incom ino, nim. How does bank charters change that? A ou no, how to s rates change? And in be no times of economic expansion versus recessions? How do you price all that into a fair, fair value of a business? Then there are others, which are pure technology bets, where you try to understand either the biology e or the technology. In this case, i decided the bet was worth taking.