 We've also seen the use of medical credit cards and similar financial tools rise in recent years. So these are products that are typically offered in provider offices, and they allow the provider to secure payment for the services immediately and have the patient then reimburse the card issuer rather than the provider going after them for reimbursement. The CFPB noted that just one of these cards grew from 4.4 million cardholders to nearly 12 million over the last 10 years, and I'll reemphasize that is just one medical credit card.