You have a $50 billion company printing 5.5 billion in free cash flow. You can use a lot to finance debt, obviously, which is what's proposed here. Uh 400 million uh consumer accounts. So, lots of consumers have PayPal accounts, have Venmo accounts. Maybe they're not fully active, but they're ready to be engaged. It's a huge footprint and huge distribution mechanism. Uh, and they have bank info attached. That's difficult. You can't get that from many other consumer applications.