let's bring in cofounder and ceo max levchin. one roof, but what's newest to me is that chrome feature. explain how it works. >> sure. consumers love affirm. we stand for transparency and simplicity, and that's really captured the minds of our customers, and we're very happy. sometimes they encounter a merchant where we haven't yet been fully integrateed, and this chrome extension allows them to say, that's objection, we -- that's objection -- okay, we will use a browser extension. the merchant will generate a one-time virtual card number so the consumer can plug into the standard or checkout at the merchant site and complete the transaction. the merchant gets the sale, the consumer pays us back as they normally would, more coverage for our consumers, more places to buy in a safe, transparent way. liz: okay. so affirm is shouldering the entire cost at the point of sale. you know, this could become extremely popular. do you guys have enough capital to shoulder all of that? >> one of the three main pillars of affirm's success has b