By and large, it's a form of recreational entertainment for folks to spend their discretionary income. It's one of the many, many entertainment choices they have out there today.
Chase cards with blink, they're engineered, they're designed to be safe and secure. They have a special set of codes that are embedded in the microchip, and, so every transaction that someone does is unique.
No one wanted to bite into California until now because of the alleged black hope risk -- the fear that there would be a black hope on the asset quality side and maybe you were getting a lot more problems than you bargained for.