We expect yields to remain suppressed below historical levels for the foreseeable future and think online-originated loans will benefit from this outcome as investors scour for yield and re-allocate their credit portfolios. We think the development of a secondary market for such loan products will continue to mature over the next 12 to 18 months as more institutional investors funnel capital into the space. Further, private backers won't shy away from providing equity capital, but transactions may well become smaller as private investors look to invest in the peripheral ecosystem of the space, and not necessarily into the core marketplaces, many of which have already received significant amounts of capital.