How do you see the impact of that space, and, and do consumers use it?

So in reverse order, consumers definitely use it.

Not every single consumer uses it, though.

I would say, you know, the traditional pay in four, you know, which is, uh, you know, kind of a you pay a quarter of the purchase price up front and, you know, three payments every two weeks after that, tends to be, you know, in the, in the neighborhood of $100 to $200 items.

And those consumers tend to be people that are, you know, I would say, either somewhat credit constrained or just want to avoid building their revolving balances.

But think about that.

That term is relatively short, and so while there may be a fair amount of volume, it doesn't have that much of an impact on debt.

Are you seeing any trends with, uh, younger people and credit that It's worth talking about