Can you walk us through what that process looks like?

So at the core, the relationships that we're building with credit unions is a revenue share relationship.

So essentially you pass us merchants and we're going to share revenue up and down on the services that they use with us and the revenue that gets generated with payments, which is nice because it's an ongoing revenue generating opportunity.

Right.

And then in terms of the logistics themselves, we take a little bit of a unique approach to the market where A lot of times, the problem with these kind of referral relationships is about attribution.

Who gets credit? Who gets credit for this sale? For example, Clover, owned by Pfizer, is so prominent in the industry.

Clover has over 3,000 sellers, including a number of... banks and credit unions.

How has that changed? Has that changed how you manage the company?