I'm kicking it over to you.

Thanks, Carlos.

First story is a quick product update on Experian.

A company recently expanded its no-ding decline feature to include personal loans.

What this means is if you use Experian Marketplace to apply for a personal loan and you get rejected, you will not get a hard inquiry on your credit report.

Now, Experian originally launched this program for credit cards, but it's interesting to see the expansion very quickly to personal loans.

We were able to actually get an exclusive quote from Experian on this.

What's your take here? Is there a story underneath this?