Well there is now a SmarterBox, so SmartBox must be irrelevant. I've instructed my colleagues to wait for the SmartestBox to come along so we can disclose true cost of capital 30 days into funding.

Now, if, in the meantime there emerges a ScrumdiddlyumptiousBox, well then we will get in line. That Box will likely provide an apples to donuts comparison of rates, fees, and charges six months after default and collections begin.... Exciting times!