David, maybe you could walk us through from when the customer is kind of shopping for offers, like what's that customer journey look like?

Absolutely.

And I think, Carlos, you hit nail on the head in terms of the pains that we deal with in actually launching something like this.

But as you noted, we have some clever ways around reducing that friction.

So just to kind of even take a step back, Engine is embedded inside of thousands of different locations throughout the internet.

So whether that's publishers, other PFM apps, or our friends in the lending space taking their declined exhausts, There's a number of places here where we don't wanna actually add that added friction because it hurts our publisher side, it hurts us as a business and it reduces less leads for our downstream lenders.

So what we're able to do is as that lead is actually coming through our forms, we're using the information that they provided to us.

Can you help us understand the role the Spark platform plays within engine as a whole?