Now in this episode, I will step back from the matrix for a moment. I will draw a picture how all that unfolds. So, we have first of all this crowd of investors 120,000 of investors and each investing 100 dollars for the total of 12 million dollars. Now, then there are two borrowers. I will draw them like this one kind of business. So, here previously when six million dollars and then the other borrower, so this is the computer also six million dollars. So that was before, now comes a bank, bank comes here. And the bank says, here I will engage in the debt of the liquidation. All these depositors will see in just a minute how was structured and here I will engage in monitored conference so that I will view six and they will receive as we know seven point five six seven point five. So this is about all these goes. Now, so to the extent we see the contract between the bank and the borrowers that we talked about quite in detail now it's sort of more interesting for us, why is that that these people will be willing to deposit the money with the bank? Because basically before we knew that when the bank didn't exist they went directly here. These contracts were bank contracts that contracts with liquidation and everything went fine. Now, they have a liquidation with a bank. And it goes like this, so this is the bank and this is the deposit there. So how do they communicate. The bank says, you the deposit that gives 100 dollars to the bank. And the bank gives back the depositor the amount that is 100 plus Delta where they'll to positive, in such a way that they expected cash flow to the depositor is equal to exactly 100 dollars. Well, this amount of Delta will find in the next episode. But for now, it is important to say that I claim that in this kind of a setup, what we see is first of all the contracts of the black man are so between the borrower and the bank is no worse and no better than the contract between the borrower and directly with the depositor. So borrowers are indifferent. That I claim that there is a way to set up a contract between the depositors and the bank, so that they're indifferent to only in terms of cash flow. And I will prove that the bank in this setup does make a positive amount of growth. Now clearly in reality there is another plus to this scheme because you can't say that the interaction between these depositors and the bank it may be standardized, so for these people it is easier maybe the bank will also provide some other things for them to do it will see that further on in the next week. But for now we can say that in reality for the depositors small people to communicate directly with the borrower may be kind of different and may involve some costs that we do not analyze in this scheme all that, we for now ignore we have made this setup really grossly simplified and still efficient enough to show that the scheme is workable. So, in the next episode based on the scheme we will go back to the Matrix, see the cash flows that now not are enjoyed in all these boxes but instead the cash flows that arrive to the bank based on these described contracts. And then that will see how the bank will be able to deliver on its obligations and also to make money. All that we will see in the next episode.