yet there's still people on the margin who are underbanked, who aren't being recognized. maybe you don't have your credit card. you pay your rent on time, but you don't have a credit card. we're developing new scores to solve for that. the other thing is you know i said we focus on the tradeline data. this credit card data. but if you mix in other data sets, you're going to get more information. maybe a data set that's not as predictive as the credit card payment data. but still has some kind of caloric value. >> and a frequent guest on this show is doing something with a firm. where he says i'm taking although he uses your fico data, too, doesn't he? >> yes. >> but kind of what you're talking about this revolutionizing finding other ways of predicting how somebody who maybe doesn't have a great score, but there may be evidence that they would pay back that loan? >> yes, very much so. in the old days you would look for a single data set that had the most predictive data. >> and it worked well. >> and we still use it. today it's much easier to mix and match additional data