 Yeah, sure. So one of the things that you observe is that people who tend to have medical debt also have other delinquencies on their credit reports. And it is also the case that medical debts often are not paid once they have been sent to collections. And so at that point, whether you get rid of that debt or not, and we've studied this across Medicaid, Medicare, ACA, literally randomized controlled trials of eliminating debt, and you see the same result over and over again.