 evaluate the credit capacity and the payability of underserved communities, particularly our Latino community, because I don't know about you guys, but the last thing I'm going to do as a Latina is miss my mortgage payment or my car payment. My parents always taught me, like, you will not eat your hamburger or your Starbucks, but you're going to go and make sure you pay your bills. So with that in mind, I think we need to look at alternative ways