Well, I see what you're getting at there. So repeat borrowing remained a strong part of our business and I think as we talked about before not only do we do a full underwriting, and every time someone comes back for another term loan, but we also see a lot of positive selection there. We see lower loss rates. We see -- we are able to offer longer average terms. We see higher OnDeck scores typically and we reward those benefits with loyalty pricing, which I think increases kind of a virtuous cycle. In terms of the role of line of credit, yes, I do think that's right. I think there's an element of the line of credit product being a better fit for someone if they have frequent, more short-term need for capital, which might be due to their own internal working capital cycle of the company if they need to borrow $10,000 for four weeks, clearly the line of credit is going to be a much more effective and streamlined, I think simple solution for their business. So what we see is, remember line of credit was only opened up to the $100,000 level back in August. So a lot of our line of customer customers are relatively small balance customers. So we are seeing some cross-sell so people who have term loans for say $100,000, $150,000, if they want sort of day-to-day working capital it might take a small line of credit on the side as well. So I think there are some complementary aspects to it. I do think for the smaller term loans you may see a little bit of migration frankly from the term loan product over the line of credit. But we think that's a good thing. What we see is that our line of credit balances if you look at the cohort curves from the kind of the folks we acquired back at the early part of 2014, two years later those folks -- more of those folks are still with us as customers than it is for the term loan. So we think is ultimately a high retention, longer-term product potentially than the term loan. That's ultimately I think a good thing for OnDeck and our customers because the structure matches the use case.