And there’s a bunch of factors that are in that that aren’t controlled in the way that they are in the credit score right. So like we’ve talked we’ve talked ad nauseum about credit scores on on this show, and one of the the big things is that credit scores were meant to design the system to actually be fairer. All the, all the regulations that we passed around what could be used in the credit score – you know you can’t use gender, you you can’t use employment you can’t use how much money is in their bank account, in in credit scores and there’s ways to model that without actually doing it – that they’re allowed to include – some of which they use in very discriminatory ways.