its the daily remittance platform, and, risk models, along with the banks not needing to build an infrastructure to support lending to SMBs that works in our favor as an industry. On Deck states on their website, they have supported numerous banks with their risk scoring model to lend to SMB's. Big Banks are not setup to lend to mom/pops, however, they are providing credit facilities like Wells Fargo, for funders to lend to SMB's in our space. And yes, the loans do carry a PG. Have you read the language on the business loan agreements?