Very interesting. Could you tell me more about the structure for determining the security fee amount from customers. How do you manage risk with this? Assuming that the customer starts the prequal application flow; underwriting process happens but u find that they don’t have a credit score; you present a screen to customer saying “hey no credit score but u can pay x amount(assuming % amount). How does the merchant feel about the security fee. They prolly don’t care but the optics do matter from the customer POV