And the consumer use of buy now pay later continues to grow becoming a more like credit cards used for expensive purchases over longer periods with higher interest rates. CLA which is a major player in that space has recently revived its IPO plans aiming to expand beyond its initial offerings. Joining us right now is an analyst who covers that sector closely.Moshe Orinbach TD Cowan senior analyst covering specialty finance. Good morning to you. buy now pay later has become sort of the phenomenon of the cred ...