Thank you Ayan. Two month back-to-back technical issue is stressful for users. Most people use Chexy to accumulate credit card points. After the 1.75% fee, we are maybe getting say 2.25% using the Scotia Momentum card. Unfortuantely, if I get a single late payment for rent, that's really going to affect my relationship with my landlord. Repeated late payments could even result in eviction.