with these products.

Mike, you made a good point that they're really focused on Buy Now, Pay Later more broadly as opposed to specific practices.

And I think you can really tell that that's the case when you focus on what the increase involves.

They ask for documents and information covering almost all aspects of these Buy Now, Pay Later providers' businesses.

And it touches on various different regulatory regimes, various different requirements that all lead to, like what you said, that they are focused on everything and trying to figure out how they work and whether they comply with various consumer protection laws.

So, for example, these requests ask for information documents concerning the provider's agreements and disclosures, their products and their structures.

consumer dispute handling, customer service availability, ability to repay analysis, customer payment options, default and delinquency analysis, merchant relationships, credit reporting, because some of these providers are reporting right now pay later history to the credit reporting agencies, and then to TILA compliance efforts, so loan disclosures, We also understand that they're concerned with subscription practices.

Lane, what are your thoughts on what we'll be seeing out of California?