Mm-hmm.

There's the bank of banks out there, the CBAs of the world, and, and Westpac, and National Australia Bank, and all of those guys.

They're Aus- They're, they're deposit-taking institutions.

Then there's another layer underneath, which is called, uh, tier two, or non-bank lenders out there as well.

So they're not taking the deposits like the big banks do to use that money to re-lend back out into the markets, and in particular, to borrowers.

So where Scene fits in, we're what's called a mortgage manager.

So we work with those non-banks as an alternate vehicle to get their products and their programs out into the market.

Mm