a firm ceo matt levchin with our own josh lipton in san francisco. josh?here with matt levchin, paypal co-founder, yelp chairman, yahoo! board member and serial entrepreneur near silicon valley. talk about your company, online lending start-up, matt, in the business of making loans to consumers, right? and already raids $50 million, but i know you're ambitious and want to take on visa, wells fargo, the banks and lenders, so you've got to raise a lot more capital, max. how will you do that and who will you raise that capital from? >> i think i don't measure our success by raising capital, but it is a very important part of the business of lending. you have to borrow to lend. there's absolutely no shortage of funding today. people love what we're doing. they seem to believe in this mission of transparent credit. we lend to people rimt at point of sale. let them take a purchase debt that sits on their credit card, 29.99 apr and split up payments with a much smaller 6 to 10% apr. lots of people see that with opportunity. want to supply us with capital to put t