eyal: we focus on our b2b.y have a lag between the time we incur the cash cost until the time we get paid. that would be, you name it -- it could be a forklift manufacturer. it could be a furniture manufacturer. any business giving to another business does not benefit from the credit card network. what you see out of innovation is b2c which has been going on the last 60 years of innovation. counting on paper checks to get paid after those 30 or 60 days. taylor: you had an equity raised and it was very interesting that a credit facility, the debt perspective of this all. as ceo, do you accept all money? how did you differentiate between credit and equity? eyal: equity is basically what we are going to use to spend on market, employees. san francisco, dallas, tel aviv. that is what we use equity for. the credit part is more for the actual advances, the payments we push to the merchants. when it comes to choosing the investor base, in my mind is do you have the option to choose? because now we have good times wher