Would your advice be to charter, acquire, or partner? Yeah.

Taylor, like with anything, I think the answer is that it depends.

To James's point, partnering with an existing bank is likely the quickest way to get to market if that's ultimately your goal.

Partnering with an established bank can also help you because they have the framework and compliance network in place to help get to market.

If you're interested in getting to market a little bit faster, then acquiring an existing bank charter can help you do that.

But again, you're onboarding a lot of their existing systems, management, and just their procedural history.

Chartering would give you the most flexibility because you're essentially starting from scratch.

And practically speaking, what should a point of sale finance company be doing now to prepare for one of those paths that we just talked about? And how would that answer change if you're a legal counsel?