turn in year one, as I was able to understand it, is about 50%. Then it goes down dramatically, but you're losing half of those people. You're spending a lot of money to get to, you know, what do you do to improve that.And and should that be concerning to some investors. Um, look, we it is very easy to sign up for a Chime account. You can do it in 90 seconds.So, that's kind of our front door. We don't have branch infrastructure and so forth. So, we definitely get a lot of trial.And yeah, the key for us is c ...