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Johny Fernandez: So the next
question is what is a

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consolidation?

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Sean Murray: What is a
consolidation? So I think we're

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talking about what is what is
essentially what is debt

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consolidation. And debt
consolidation is when you get a

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loan to pay off multiple other
loans, and then you pay off the

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one lender instead. So it can be
quite challenging to juggle 3,

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4, 5, 6, or even more loans at
once, or, you know, maybe it's

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advances and you have a daily
debit coming out, you know, 3,

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4, 5, 6 of them at a time, every
single day. And you'd rather

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just manage the relationship
with one rather than logging

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into five or six different
portals to see you know, what

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your performance history is. So,
a consolidation is is a is a

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financial company that will
essentially satisfy the

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obligations of all the other
outstanding balances you have,

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and then you will only pay the
one that remains, that's the consolidation.