
So another major factor is.
It's simply the counselor working with our clients, we're not just talking about the importance of getting a pet, buying a car. That is challenging prospect for our digital properties and they don't have anything at the workplace and you can read how this. As for the standardized recovery Murphy testing that could be more, and that's not something that their older counterparts would be reluctant to support.
And I spoke a little bit about why financial literacy tests.