Take us under the hood of that.

Well, honestly, for us it's something new on all markets that we operate at the moment.

I mean, we operate in Bulgaria, Romania, Spain, Mexico.

We have really great success in all countries, but never had the experience working with partners in the States under the partner program with the bank.

it's new for us but we are very happy that we have the right partners behind us that help us to be really on the trail more deeply regulated compliant products and we built this product not but itself and to adjust it we have started building the product in the framework of compliance and our bank partner has really helped us to start thinking different way by all expectation of the bank.

We are very happy how we do it.

It's not easy honestly.

very good and as we ride off into the sunset here i'd love to get your opinion both of you what do you think the outlook for digital first carts will be in 2027 and it seems like it could be a very very exciting year