And that understanding that how do you build naturally hedged products is probably another kind of reason why... It just influences how you make decisions and how do you kind of scale your core product portfolio. Just one example, for about a year and a half ago, we were largely year bank with a card and we were the first mobile bank and that was a big enough market. But in the last year or so, we have just fleshed out that product portfolio. We have a big lending portfolio now. We launched savings last year. We invested heavily in savings because the interest rates were high, was a super amazing tool to attract new users by offering high interest rates.
We invested heavily in savings because the interest rates were high, was a super amazing tool to attract new users by offering high interest rates.