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The 2nd category that is main those that have low FICO scores. Over the edge or those who simply abuse credit the flawed method, have declared chapter, had some write-offs up to now so their FICO scores are below 680 which is often the lowest that almost all banks will go, which is over half of the United States today so they’ve had access to credit and they’ve had some incidents prior to now and so they simply simply are both…had a bankruptcy, had a medical emergency, one thing that set it. So that the typical is actually…the best prevalent demographic is really a working class mother working someone to 2 jobs with two kiddies and contains a decreased FICO rating or no FICO score in any way.
Sasha: Yeah, just what exactly we’re doing at LendUp is constructing the providers that are monetary for the 50 % of America that is been shut down. This is the rising center course that don’t have the plus side to lots of the fintech innovation that we’re seeing and they are structurally locked away from banking programs that are most, especially credit history, as a result of low fico scores or dangerous revenue.