The disciplined approach to scaling a lending business through systematic testing

or return on equity, if this is true. And if this is true, let's crank up the budget 20%. And you're able to go through those gears based on if this is true, if this is true, if this is true, then go harder. And you have to be really disciplined about that and, you know, test and learn, and expand, step by step. But it takes a lot to get to that point in a lending business. And, you know, we're now at that stage where we're seeing, you know, pretty phenomenal growth on direct, and you're able to then just start scaling that because you have the confidence