 And finally, on business round-off, if barrisks alone access are completely removed, the standard of leaving of Nigerians and indeed the economy will improve greatly. Now, this was the position of the managing director of Kero Landers, Dr. Sondi Kerobo, at an event to launch the headquarters in Moe area of Obam State. Dr. Kerobo said the operations of Kero is huge towards reducing the rate of poverty in the land more especially at a time when Nigerians are willing on that the effect of the fuel subsidy removal. I used to be a banker before I came into the United State about 23 years ago and coming back home periodically, I see the poverty streaking and the way a lot of people are going through difficult times. I felt the need to try to contribute my quarters to the growth of Nigeria economy and by creating jobs for people and making our products alone especially making it accessible to those individuals the bank will be giving, you know, running around and other. Now, Dr. Kerobo attributed the challenges in the credit finance industry to operators who unscrupulously tried to cut corners by evading late done regulations of the central bank of Nigeria. Other members of staff who collaborated Dr. Kerobo's views were quick to advise Nigerians to avail themselves of the opportunity to meet their financial gaps as they occur. I'm trying to follow the late done regulation then you're going to have you're going to get into more problems. When you follow the law the law is not meant to to hurt individual who is following the law rather the law is created to hurt those who are not following the law. There are some simple basic requirements that we put in place. We deliberately put those things in place after doing some feasibility studies of other organization on how they run their enterprise. So we came up with policies to ensure that when they come with a basic thing just the basic thing we're going to be able to extend the facility to them and that's what we've been doing. Yeah, the challenges we be having is about repayment. There are some customers who we collect loan. At the end of the day there are nowhere to be found, which is unavoidable. And some of them when after collecting even if you are seeing there for repayment they start giving excuses. Sometimes we take our sales to police station but at the end of the day we've been able to resolve it. We've partnered with a company which is called Lydia whereby we program all these customers. Once we have their BVN we put their BVN on their portal to bring out to pump out all their account number they have in Nigeria. Wherever there is their repayment they these this platform will automatically take the money from their account. A welcome back that was in credit fine and sin.