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Or the second one to you.

And then also as we've noted this was a heavy responsibility and he said when you apply.

Also, align financial education field as well, And lastly, consumers often can't get the behind on bills one because they're all a little about.

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Some of these programs used specialized coaches so this study doesn't really provide insight into whether other types.

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We are very excited about this.

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And for the most part.

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And then in Canada we had some clarity.

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The second principle or the second kind.

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But I thought there might be driving.

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We'll transition to our next speaker.

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Certainly evidence that people either don't know what's negotiable or may feel like they're better for you.