Tom Burnside

Oh, absolutely.

Yeah.

Even back then, the models were doing a really good job of predicting somebody.

Typically, what happens in this, this is why we saw the opportunity.

In this particular area, you saw a lot of very, very short transactions, 6, 8, 12 months.

And we saw an opportunity to give somebody something that was very affordable.

And so we didn't want to go below 24 months, and we were able to get those out as long as 48 months.

even back in the day, by taking the AI information and doing a better job of telling the story and therefore giving them something that was affordable.

Because one of the problems is if you're paying back $5,000 over 12 months, it's a very expensive payment.

When you start to elongate that out, it becomes very affordable.

And you give them the opportunity to get back on their feet and be able to pay back.

And now most of those customers have come back to renew with us or come back to take another loan with us.

We now have about 30% of the base is in a renewal status with us because we made it affordable.

They were able to pay it back and they're able to take more money.

No, that's roughly.

That's roughly about 23 over that period of time.

Interesting.

Yeah.

So it wasn't based on typically what you'd see in this market is a discount rate or you'd see a percentage.

That's not what we did.