 People wanted free money. Trying to convince venture capitalists who have never paid in over just being their life. We got laughed out of the room a hundred times. It took like 120 meetings for us to finally get one investor that, mostly like the team. I don't think he really loved the idea that much. After that investment, we figured out the loss rate. We got it down to 2%. About a year later, raised money to billion dollar evaluation.