of penn toper for strategies. michael pentode christine, let's start with you. cover 1000 has resulted obviously in the significant amount of job losses. as we just discussed, people have had to rely on these borrowings gold loans now through and b, f c's, and these banks. how do these loans work? so the goal, an industry that has been in existence for a really long time now, and they have always acted as a polish support for small businesses and households in need of emergency short term assistance. so you always hear about what will be a state. there are people telling you stash will for hard times. so that doesn't mean you take a gold bar and go by who, rather it's used as collateral importer to obtain emergency financing to make you stretch on until the next paycheck. so joining the pandemic this year, goal is have increased by over 30 percent in some places like india, who is basically meeting the old long market right now. so old loans have been the preferred method because most banking institutions have recently in their underwriting, want for loans, whic