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Phantom_91-1 karma

Hi Kristy, I actually saw your name and TomoCredit come up on one of the FinTech newsletters this week so it's great to see you here.

As you potentially expand to different financial product offerings (like mortgage, automobile, etc), are you confident that not using credit check will be enough for your underwriting capabilities? How do you account for "willingness to pay" metric without using credit scores?