Santiago Suárez

So the whole engine and foundation was there.

And you're able to build on a very solid foundation.

And then, of course, once we went in, and I'm lucky enough to work with a great team that is very anti-hype,

the question was, okay, where do we start?

And then we decided to start counterintuitively with legal.

And legal has two reasons.

One, and now there's a wonderful Brazilian company that has figured this out, which is...

You get sued for everything in these countries, right?

So there are these things called, in Colombia, tutelas, which are emergency constitutional actions, and you get 48 hours to respond.

And if you don't respond, the legal representative of the company, usually the CEO, goes to jail.

Like, it is liable to go to jail.

Like, it is that high.

And then, like that, you have all these consumer protection lawsuits, all these things.

So with insane response times.

And by choice, we never settle them because that's the precedent.

So, you know, there's a cottage industry in Colombia of people who will be like, oh, we'll sue the bank to get them to remove your credit report.

And it costs the bank two cents to remove the credit report, and it may cost you $50,000 to file the lawsuit, maybe $10,000.

We've taken a cup all the way up to, like, the level below the Supreme Court because we will just not settle.

Then people know.

So we started with legal.