luetkemeyer: very good. you talked about credit cards for medical payments, and, you know, i wrote a letter to you sometime ago. in fact, it was almost a year ago, actually, back in october of 2020 and i got a letter back that did not answer my questions. it's a good way for people to pay bills, regulate a product, yet you are trying to restrict that from what i understand. the questions in my letter were not answered, so let's try to go through them right quick. think of the term or medical payment product is used anywhere in statutory law. dir. chopra: let me clarify, the role we had the proposal does not include medical credit cards. the medical credit cards are a fairly more advanced innovation of recent years, where they are point-of-sale loans or credit card brokering at the health care facility. we have been studying this market, because it has been growing quite quickly, it has been a source of significant consumer complaints. we have not taken any specific action on it, but i think we do want to und