Do you think this is a reversal, or just another step in the evolution of marketplace lending? Earlier this year, a number of the platforms discovered the value of having capital for their lending operations when their funding sources were disrupted. We're now seeing more of the platforms moving toward the so-called 'hybrid model', of originating some loans for distribution while retaining some loans on their books. But if a platform is going to be originating some loans for their own books, might they be better off as a bank rather than a non-bank? There are pros and cons to each approach. As a bank, a platform would have access to lower funding costs for loans on its own book, but significant regulatory costs. As a non-bank, a platform would have a higher funding costs, but wouldn't have the prohibitive regulatory burden of a bank. Both models are workable.