Keren Moynihan

And absolutely, we could be working together.

What we'd be giving you is a real-time view on the business.

And then you can either lend to them yourself or you could match them with some of the other lenders that you're working with.

That's the idea, that you're getting away from the manual data connections and the manual collection of information, which can only be summarized as somebody telling someone else to go clean their room.

I cannot tell you how often we were trained at RBC.

This is an opportunity for a discussion.

No, it's not.

It's annoying.

Let's get away from it and let's actually have some fun.

When you know what's going on with the business real time, you can do some crazy things like give them an answer real time.

It really depends.

We have economies of scale pricing.

We have ways for people to test this out if they have one to 10 borrowers, let's say.

But the sweet spot really happens when you get to a couple hundred.

And then it is under $20.

We have pricing that goes down to even a dollar per borrower.

So really, this is change on the table.

It's pennies on the dollar to what lenders are making.

Some of it's a little proprietary, so I can't exactly get into it because we are servicing some of the largest lenders.

So for example, CIBC was just on a panel with us.