So the idea that you would just say, «I'm not going to have any type of bank account, any credit accounts,» we have tens of millions of people in this country that actually do that but they pay a price for it, and the price is in things like high cost of payday loans, check cashing places,
car title loans, when they need quick cash, stuff like that and it's disheartening to see because we know that there are gaps and we know that there are millions of people whose problems really do need to be addressed from a standpoint of
credible solutions.