you're talking about the george constanza wallet. how many in the audience have the george wallet? you know, buy now , pay later, we really see it as the next generation but also neatly, a great one, where frank in the 1950s took a couple of clients out dining and when it came time for the bill, he didn't have his wallet. and most people would just continue life being angrily frustrated but he founded a charge card that lets you pay everything off at the end of next month. i would argue in 74 years we haven't seen much innovation in this space. we've arguably gone backwards, if you look at what's happening in the credit card industry. 50% since the bottom of covid. high interest balance, et cetera. so into buy now, pay later. full retail is in particular that lets you have the direct relationship with customers. bypassing banks, building loyal customers, and on the consumer side, and allows you to pay back one or two paychecks. it's very simple and easy. it's very -- training wheels for financial literacy. >> you talk before about how the training wheel metaphor is interesting. hel