decision [Music] we applied like we were saying the case about the credit scores so like maybe there's a lot to inconsistency in like the ones who retro actively got approved for credit so like there might be the human error inconsistency or just like the fact that there is self selection or something so like this could kind of help with that right like you're saying there are some people who maybe fit the traits of being approved but then they just somehow didn't get approved so that they're actually being not approved