roadly, what is the space for duct tond of pro exist? does thisof needs it project meet? >> you mentioned work done by our colleagues. we need to be on the same page. the industry deserves to have is on the same page. it is not just payday lending. it is also certain kind of installment loans. there has always been a clear demand for some small dollar short-term project. people have emergency needs. there are situations where the cash flow is uneven. many resolve the matter is by maybe have an uncle or brother or cousin they can go to and ask for a loan. they managed to resolve things that way. many people are not in that situation. they go out and seek loans. as long as we moved away from the agrarian economy, we recognize that. we want thetime, products to be fair to consumers them toto be causing fail. when you have a project that is not set them up to fail, this is a troublesome market. we have it in our agenda to make rules. this is something we will get to in the future. >> we will have to leave it there. thank you very much. >> my pleasure. >> we are back with our