Can you speak to that comment?

Sure.

Thank you for keeping me honest on what I've said before.

We have designed VantageScore 4 with this in mind.

with expanding the scorable population and expanding the creditworthy population.

How we're doing that is looking at using more modern data and more modern technologies.

More modern data, meaning using trendy data, which is data from the credit file that is not only looking at one point in time at consumer's credit, but also looking at the management of credit lines in the past 24 months, two years.

I've seen statistics that state there's up to $1 trillion in potential production volume that can be unlocked with the adoption of VantageScore 4.0. What are we telling lenders to do to try to take advantage of that?