1:22:34 Dave @DCBK2LA: love it. Dude, so... Okay. So two real questions. I know I was just kinda making jokes about them before. I just kinda laid it up. But when I really think about it, right, like, who is the demographic, right, that this actually, like, affects, and how do you actually get them money? Like, how do they know? Like, if I'm not familiar with the blockchain and so on, but I'm a high interest lender... Because I'm…

1:23:10 Thor @thorabbasi: Yes. We're focused on the consumer segment. And the thing that's really, really interesting when you actually break this down and look at, you know, who your demographic is that's taking out a lot of these loans is it's actually, in many cases, typically women between the ages of 35 and 65, making roughly the median income in The United States. A lot of times, they are in a minority group, and they almost in all…

1:24:36 Dave @DCBK2LA: Love that, man. Because he... I think Nat and Cool can... We're all kind of from the same school here. Like, that's literally, like, my, like, my entire neighborhood growing up. My parents are literally immigrants from Africa, from Morocco. Right? Like, they came here in the seventies, like, literally without two nickels, like, to rub together. And when you think about, like, how many, like, people are in these…