Because we all know that I don't believe in buy now, pay later, I think we're just setting up people for disaster. But right now the numbers indicate that as people are borrowing, they're also returning the money quickly enough. And so the delinquency rates are not super high yet and that's what he keeps track of.
BNPL is taking market share away from credit cards or unsecured loans. It's not money that's materializing in an additive fashion. So when somebody's looking at the possibility of going for a BaaS market share, for me, the two questions that they need to answer for themselves is one, who am I cannibalizing? Is it me or is it someone else?