And why do we think that the small credit unions as you called them aren't corrupt also as the financial banks, is it because they often take it slow and steady on us regarding kyc or because the are more user friendly to us than the complex financial institutions, most of these fintechs, money creditors and borrowers we are seeing charges more than the big coperate financial institutions bill on us, but we we seems to be more focused on one side forgetting to relate them together with each other to know which pays.