Seke: Great to be with you, Spiffy! The traditional banking system is broken. Minorities and women are 2.7x more likely to be denied fair access to loans – and consequently the ability to build wealth. Systemic discriminatory lending practices are the root cause of the problem. So we built a solution – a proprietary algorithm that assesses credit risk using only predictive factors and determines the likelihood of default with significantly more accuracy, speed, and at a lower cost than traditional lenders to provide loans to licensed cannabis companies. We are the future of banking.