So it sort of seems like buy now pay later, you don't necessarily have to deal with how good your credit score is, the way that you might if you get a credit card. So it kind of is a way that people who maybe don't have the best credit score to get credit. And private banking, shadow banking, uh also seems like a way for companies that also might not have the best credit or might be maybe wanting to take out riskier loans for something that is maybe a little riskier.It seems like a way that they can get mon ...