One of the hardest parts of the regulatory requirements is the Capital on hand and getting a federal charter.<p>Because we&#x27;ve targeted a handful of very small institutions with those charters in place and the banks are in good standing it actually allows us to skirt some of the pain points of trying to charter one ourselves but also allows us to hit the ground running on the technology front.<p>We think the bill pay&#x2F;secured payments could be the one to target first because we think there is value in just being a great traditional savings and loan bank. However, the main thing we&#x27;re thinking through now is if this is a big enough segment to gain real traction with consumers or if we need more of a WOW product for mass adoption.