text:  we want to be everywhere that they are and so you can use bmpl in store you can use it online you can use it on mobile mobile in particular actually in our studies is the most popular channel and so we're seeing you know the lion's share of e-commerce um sort of preference for consumers especially this next-gen consumer um happening on mobile and it's where we expect a lot of the sales to happen and we want to make sure we show up there and you know our merchant partners want to make sure that they they offer these choices to these consumers at every step of the funnel