And I actually want to take a step back here, if you don't mind, and just make a few remarks about people in Alif overall, about about our efforts in combining technology and education. I don't know if you if you knew this, but the average age of our employees is 25. We have a lot of students, recent graduates. We train them ourselves. So to give an example of specific training, IT skills is an area where we felt that we could contribute to the education system in Tajikistan. So we established Alif Academy in 2017, as a nonprofit where we promote it education. So we provide free programming courses, including special courses for girls, for kids, for Afghan refugees.

So far, we've had more than 2,000 graduates of these courses, and some of them working, at least some of them work in other companies. And hopefully now in the new countries we had, and we have the privilege of being able to attract some of the most bright, kind, noble, energetic individuals throughout all these years, we had more than 50,000 applications to to our vacancies. And we've chosen and retained the very best.

We are on the tip of the iceberg. We have no idea where this is going to end. It's endless the level of opportunities here, and it's going to need to be fueled with credit.

I think the key is to bring the approaches that have been here for millennia, but in reality, cross them also with the new technology. We don't have to have centralised banks performing all these kinds of operations or pawnshops, as we have in the past we can have this retail approach it is going to be a very interesting exploration that we are doing in other companies are going to explore the market also in bring completely marvellous solution.

So we are super excited in reality, on top of the innovation dream on top of building the next frontier for finance, it also has this deep meaning of helping people that work with different rules typically don't have access to banking. If we look into the most Western countries, this now is a niche product for very specific purpose. But in the future, we will have people on countries where this kind of solutions, help them maybe to fulfil the dreams that they have, can be life changing.