Okay, hello everyone. I'm not sure if this is the right place or not, but I have a question. So from a consumer standpoint, I understand the benefits/pros of SP CLIs over HP CLIs, but what is the real difference between what a credit analyst sees on a SP over a HP? Or vice versa. Because I assume that Discover soft pulls me every time I go on their website to see if they are willing to show some luv via SP. So again, what can they see and what can't they see?