Our platform is built on the same principles used by the leading financial services firms. We leverage the learnings from the consumer finance industry and our experience with healthcare payments to target personalized payment solutions directly to consumers. We do this through our proprietary data mining, cashflow prediction and credit rating tools that offer patients customized payment plans using targeted communication tools and payment mechanisms. How patients pay or react to our communication campaigns are continually measured and systemically adjusted based on consumer responses. We will even recommend changes to the types of payment plans, discounts, down payments, interest rates, etc., that are being offered to optimize patient adoption.