We're going to keep that a secret.

Absolutely.

Going to the deal back a little bit, it was a really interesting deal in the personal loan space, both for its size and the fact that Lightstream has been in this business for a long time.

Carlisle bought the book for $7.2 billion.

The whole entire book was about $7.7 billion.

So they essentially paid 93.5 cents of the dollar.

And by my estimates, the book was actually going to experience about three to three and a half percent in annual losses.

What do you think folks in those two seats should be drawing or should be learning about the personal loan market in general? Do you think there's any macro lessons here that maybe they could note?