Across Block we’ve been deliberate in how we’ve built products, leveraging internal data when we can to deliver value to our customers. For example, to date: the vast majority of Borrow volume has been underwritten using only Cash App data and less than 1% of U.S. BNPL GMV is paid back via ACH. While we can’t comment on the future, historically, our fees paid to data aggregators have been de-minimis.