Jason Wilk

And that's what we believe.

And so at the end of the day, that's all we can really do.

That's right.

And to try and educate regulators who are used to legacy products is not always the easiest thing.

If you look back to the first version of Dave, you could actually borrow money from us entirely for free if you wanted to give us a tip

for borrowing, you could do that.

And so that was one of the reasons why regulators took an extra look at the business, like, wait a minute, who would ever tip a financial institution?

But when you peel back the layer of that, when you're dealing with a customer that's on average paying $400 a year in overjet fees to their bank, and then someone's now going to show up to their front door and offer them credit for free, it makes a whole lot of sense to me why somebody would offer up an optional tip, which on average is only a few dollars.

Yeah.

That's right.

Yeah.

A hundred percent tips.

Interesting.

I didn't know that.

And we happened to also pair any tip.

We would donate a portion of that to Feeding America.

And we've given over $20 million to Feeding America since inception.

So that was also sort of near and dear to us that we give back as we're helping people too.

And it's been an amazing model.

But again, educating people on that, not as easy given how unique it is.