But as the interest rates are going down now, which is investing heavily in lending because now you can get loans for lower prices, which was super hard to get last year. So being able to build products that complement the macro also gives you that kind of additional balancing act that you don't get in typical single focus companies. So I think it's a combination of few of those things, being able to get great talent, being able to train them now more so especially around experimentation and just see how we can build a product portfolio that complements each other but also naturally hedges against each other, just gives you a better, well-balanced way to operate.
But as the interest rates are going down now, which is investing heavily in lending because now you can get loans for lower prices, which was super hard to get last year.