Ok, yea. I concede. I'm not an expert on the inner workings of Chivo wallet. I just know the majority of the world needs a little help with onboarding. These are people who don't even use banking apps because they don't use banks! They need a lot of support, and maybe Chivo is a good middle-ground way of providing some support in these early adoption days? But I dunno.... I'll read up on Chivo more.