“Ah, destruction that happened 2 fintech origination companies once interest rates rose so you know I won't name name names. But you saw a lot of fintech origination companies who did not fundamentally have good underwriting models or even if they had good underwriting models their Vc model pushed them to. Expand beyond what could be properly underwritten. Um, and so as a result legalists was able to continue to grow and continue to scale. Um, but just at a steady linear rate as opposed to um what we would have had to if we had raised menture.”