rolling it out and being more aggressive with it over time and I'm interested in the details like you said you have your own foundation model like how's that built is it open source that you've you know tuned based on your own data like who do you work with how did you think about it I'm really interested in your personal timeline like how far back it goes and what the major hashmarks have been >> we started using machine learning since we started the organization, right? So, so we were >> we since the beginning since 2013 and we looked at Brazilian interest rates for consumers paying 500 and 600% a year. We said there's an opportunity here to use
So, so we were >> we since the beginning since 2013 and we looked at Brazilian interest rates for consumers paying 500 and 600% a year.