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Definitely, it is the biggest line product for costs in your P&L and then we are as maniacal about credit once we are customer care so the model

Definitely, it is the biggest line product for costs in your P&L and then we are as maniacal about credit once we are customer care so the model Happens to be developed to generate well above normal losings than what you could see on the market publicly. And so I think we feel really strongly […]