<caption><image_77>The image shows a man standing in front of a group of people in a conference room. He is wearing a blue shirt and appears to be giving a presentation. The room has a large screen on the left side of the image and a kitchenette on the right side. The man is standing with his arms crossed and is gesturing with his hands as he speaks. The people in the audience are seated in rows of chairs and are attentively listening to the presentation.</caption> yes we look at two things so we look at credit files and bank accounts right so in the absence of a credit file we can look at a bank account in the absence of a bank account we can look at a credit card in the absence of anything we're not really set up to do a face-to-face analysis we're not loaning enough money and we don't have the staff now I work with lenders like in in Latin America particularly in Mexico where that's a very common situation you know somebody comes into a store and they want to buy a refrigerator and they don't have a bank account and they certainly don't have a credit file and what the lender does is it goes they go to their house and they interview the people and they look at the house where the refrigerators gonna go and they look at what they do for a living and they go to work with them and they make a determination and that's you know in a lot of the third world that's the way it works but in Canada Canada is a very heavily Bank population more so than the US you know pretty much everybody's got a bank account they may not have a credit card they may not have a credit file but you know people here tend to we have some interest on the part of an investor to put up the seed money to do what we can do is we need about 1.4 million to do an initial investigation
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