pagaya is a very unique ai technology we have created.cting to the different partners and enabling that transaction to happen. what we are actually creating is the user technology and unlocking of that in order to bring a win-win-win situation to the customers or to the lender or the department we are dealing with and to investors behind us, we are doing our final index rolling and obviously pagaya is seeking the middle of the strong technology, enabling coordination in a heartbeat's time every day. caroline: how do you make money? gal: they're making money by selling these access and we are creating additional clients and getting a fee as part of the transaction. caroline: interesting. how much the ethics, to bear within your business? many worry about the areas within loans and credit. to ensure we are not building back. we are not extending consumer loans or home loans i know you want to get into the mortgage market. we are not doing wrong for the credit tax -- credits. is that impacting your business or not? gal: we use technology to