 uh... more and more you're hearing from experts who say just don't even bother using these platforms which again i just think if if there's a way that we could put the technology that we are into our banking websites in our banking apt why we wouldn't put that same regard into these peer-to-peer payment platforms like i i get it so it's it's very quick you get that money in minutes ensure that that certainly is very attractive but there still have to be like you said safeguards that could be used