除了Capital One，以及类似1994年或2006年的Capital One比较之外，当我听到这个时，脑海中浮现的两家公开市场公司作为松散类比，是MELI，MELI，Mercado Libre，和Kaspi，K A S P I。
You know, the the two public market companies that come to mind when I hear this as loose parallels aside from Capital One and like, you know, the hey, is this Capital One in '94 or 2006 comps, the two that come to mind would be MELI, MELI, Mercado Libre, and Kaspi, K A S P I.
我认为MELI有点不同，我觉得他们更侧重零售，但他们确实也有金融科技板块。而且这两家都像这样吸引投资者，你可以看基金信函，我认为那里的投资者很聪明。而且两家都没有像我想象的那样成功，你知道，两家仍在良好增长，两家的ROE都不错。
And I I MELI I think is a little bit of a different business. I think they have more retail focus as well, but they they do have a fintech segment here. And both have been kind of catnip for investors in a similar way to this, you know, you you can look at fund letters and people and I think smart investors there. And both haven't worked out as well as I think they would have, you know, both are still growing nicely, ROEs on both are nice.