bring in a firm in a firm You could do like a buy now pay layer later or the fancy way to say is BN PL is a way to do it a firm basically It's a cut of the deal from the retailer up whatever is negotiated. They also get potentially some money up from zero percent on some items and some agreements to Ten to thirty percent on longer installment plans. It's a micro lending platform essentially for Specific goods and it's it's not backed by anything, you know when you buy it, it's just a signature. They'll do a background checks They have great algorithms and today or yesterday. I guess it was yesterday The announcement came late, but Target is now using a firm and the stock is jamming up as well So you got great earnings that came out Amazon Target and they're not they don't think it's not like Walmart would say Oh Targets using a firm. We're not going to you know Other companies even competitors can use a firm because the theory is I can go in and say oh I have $100 to spend today online (27/35)