looking at some of the evaluations of the banks involved here. monzo was last valued at four and a half billion dollars in 2021, when it did a huge funding round that was led by abu dhabi. since then, the tide has really turned on fast growing cash hungry companies. we ve seen the likes of starling announcing that the market for ipos, initial public offerings has closed. everyone is waiting for things to improve. how secure are these companies right now in private hands, do you think? you think? that is a good question. you think? that is a good question, because - you think? that is a good question, because we - you think? that is a good i question, because we have you think? that is a good - question, because we have seen other new lenders, or especially buy now pay later, and this is the core part and a core function of monzo s lending businesses, the buy now pay later. if you look at kleiner, they have seen an enormous but evaluation drop. about 70 to 80%. so, people are a bit m