Hey, Allen Kopelman here with another episode of the B2B vault brought to you by NPS bank and the payment advisory board. So today I want to talk to you about consumer financing and what's going on with businesses and consumer financing today we're facing, you know, different things in our, and everybody's facing different things in their business. So people have lower credit scores. We're dealing with this, you know, pandemic situation and the economy's going up and down. And so, you know, there's many things going on and there's consumer finance is a growing, growing thing that businesses need in their business.