“Um, and whether that customer is going to have the right behavior that you want and and you know I think for for these kinds of businesses. It's it's more iterative over over a period lasting years for you to to really be sure and you're never It's never perfect because you're always kind of straddling this line of. Taking too much or too little risk. Um, but you you you determine it in the early days by by seeing that everything kind of lines up with how it should be It's a little more prescriptive um in how you you you figure it out both in lending and outside lending infantile.”