Great thoughts tzs, thanks for this comment. We&#x27;re hoping to perceived as being helpful. We think it&#x27;s pretty transparent and we also send users monthly reminders advising them to pay at least 1&#x2F;6 of their bill each month.<p>In terms of your last question it&#x27;s definitely disrupt first! However we did consult a lawyer who thinks we might be ok as PayPal Credit is licensed throughout the U.S. But we&#x27;ll see!