And James, please correct me if I'm wrong on any of that.

Yeah, you're spot on there.

And there's a couple of things I'd like to build on from what David said.

One of them is as we've been working with the Engine by Gen team and getting more knowledgeable about kind of their experience, even beyond this kind of creating offers, I've been very impressed with the contextuality of which they're gaining this bank permission and bank linking within their ecosystem.

And so I feel like it's a very natural flow experience there where you're not kind of putting in this jarring hurdle that someone has to climb over just to benefit from this.

So I think that's a really wonderful thing they're doing there and indicative of the number of Bandlinked customers they have on their platform.

Further downstream, when you get to that final decision, that final application, one benefit of this program is that you do not have to ask the applicant to BankLink again.

their marketing stage models?