The problem was just that because of the principal-agent problem and also the challenges of the existing ways. For example, if you only have a telephone line where you call, then you have to allocate a huge amount of call center people in order to get aggregated lending volition from the people, which we actually did during the pandemic. Anyone just called 1922 and talk to speak their mind, but it’s very expensive and we cannot do that for every topic.

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