By non-bank lender do you mean companies like Plenti (previously...

By non-bank lender do you mean companies like Plenti (previously Ratesetter)? I wouldn't say there isn't a real product - just that we haven't seen user data just yet, and I'm not surprised seeing that it was released to market just over 2 months ago. The marketing spend hasn't been high this quarter which is good to me because you want make that big marketing push AFTER you've nailed down and released the big differentiating features like Autopilot; though that doesn't mean it shouldn't be marketed at all.

Regarding revenue, we'll have to wait and see what the subscriptions look like.