| back for the first interview of 2022. | 5.04 | Jump to 26.72 |  |  | 
              
                
                  | problem 50 of canadians are living | 4.8 | Jump to 72.4 |  |  | 
              
                
                  | income we're carrying a dollar 71 in | 4.16 | Jump to 77.2 |  |  | 
              
                
                  | accelerated dramatically with 71 of | 5.121 | Jump to 110.799 |  |  | 
              
                
                  | 5 000 new marble members monthly uh | 4.96 | Jump to 127.52 |  |  | 
              
                
                  | gain roughly 500 users new users per | 4.72 | Jump to 133.92 |  |  | 
              
                
                  | re is now at a record 100 000 monthly | 5.841 | Jump to 140.959 |  |  | 
              
                
                  | transactions approaching 1.5 million | 4.56 | Jump to 144.319 |  |  | 
              
                
                  | a long one a licensing agreement for its | 5.68 | Jump to 151.04 |  |  | 
              
                
                  | software with 812 financial that's going | 4.56 | Jump to 156.72 |  |  | 
              
                
                  | approximately 2 000 new my marble | 4.4 | Jump to 161.28 | 
                      
                        
                      
                        CARDINAL
                      
                      
                        approximately 2 000
                      
                     |  | 
              
                
                  | number is actually higher now 1.77 of | 3.199 | Jump to 209.68 |  |  | 
              
                
                  | uh 50 50 of north americans in general | 6.321 | Jump to 212.879 |  |  | 
              
                
                  | are living paycheck to paycheck 70 70 | 4.879 | Jump to 216.64 |  |  | 
              
                
                  | the next 12 months without going further | 5.439 | Jump to 224.72 |  |  | 
              
                
                  | this first pay that second you know pay | 4.88 | Jump to 311.12 |  |  | 
              
                
                  | the minimum on that but max out that one | 4.16 | Jump to 314.0 |  |  | 
              
                
                  | hearing over the last three to six | 3.121 | Jump to 328.479 | 
                      
                        
                      
                        DATE
                      
                      
                        the last three to six
                      
                     |  | 
              
                
                  | especially over the last three or six | 3.199 | Jump to 333.28 | 
                      
                        
                      
                        DATE
                      
                      
                        the last three or six
                      
                     |  | 
              
                
                  | we get from the consumers twofold one | 4.159 | Jump to 375.6 |  |  | 
              
                
                  | one of the major criterion in assessing | 5.52 | Jump to 406.72 |  |  | 
              
                
                  | individual could be 30 days away from | 4.24 | Jump to 442.0 |  |  | 
              
                
                  | and come back in 30 60 days and we'll | 3.84 | Jump to 506.639 |  |  | 
              
                
                  | news release that went out with 8 12 uh | 4.72 | Jump to 554.32 |  |  | 
              
                
                  | they're seeing 2 000 applications per | 4.319 | Jump to 556.64 |  |  | 
              
                
                  | it helps 812 continue to engage that | 4.72 | Jump to 566.16 |  |  | 
              
                
                  | you're gonna get a two percent mortgage | 3.92 | Jump to 590.56 |  |  | 
              
                
                  | but you only qualify for eight percent | 4.72 | Jump to 592.16 |  |  | 
              
                
                  | or ten percent well down the road as | 4.16 | Jump to 594.48 |  |  | 
              
                
                  | graduate from an eight percent to a six | 4.72 | Jump to 608.0 |  |  | 
              
                
                  | percent to a four percent and everybody | 4.56 | Jump to 610.32 |  |  | 
              
                
                  | already we signed 15 of these | 3.279 | Jump to 619.68 |  |  | 
              
                
                  | acquire one customer at a time so i love | 4.4 | Jump to 657.76 |  |  | 
              
                
                  | about some of these so the one today | 4.64 | Jump to 662.16 |  |  | 
              
                
                  | is uh 8 12 financial | 4.64 | Jump to 664.24 |  |  | 
              
                
                  | first we have to understand | 4.8 | Jump to 668.88 |  |  | 
              
                
                  | that to 812 financial what is your | 4.72 | Jump to 676.0 |  |  | 
              
                
                  | does eight why did a12 financial license | 4.079 | Jump to 682.88 |  |  | 
              
                
                  | for the consumer's bank account up to 12 | 3.68 | Jump to 721.279 |  |  | 
              
                
                  | the application process number one uh | 5.44 | Jump to 756.16 |  |  | 
              
                
                  | to go up and give me 12 months of bank | 3.68 | Jump to 814.0 |  |  | 
              
                
                  | so this relationship with 812 is | 4.24 | Jump to 858.88 |  |  | 
              
                
                  | third party validation you've got 8 12 | 4.88 | Jump to 885.199 |  |  | 
              
                
                  | year you signed about 15 other | 4.56 | Jump to 890.079 |  |  | 
              
                
                  | about third-party validation to the | 5.44 | Jump to 897.12 |  |  | 
              
                
                  | 2019 we had a strategy uh the pandemic | 5.479 | Jump to 917.72 |  |  | 
              
                
                  | happen two years down the road for | 3.601 | Jump to 925.839 |  |  | 
              
                
                  | always talk about a 90-day emergency | 4.481 | Jump to 978.399 |  |  | 
              
                
                  | 90 days wasn't necessarily enough when | 4.961 | Jump to 983.839 |  |  | 
              
                
                  | front lobby i'll ask you one more | 3.04 | Jump to 1118.16 |  |  | 
              
                
                  | success in 2022 | 3.92 | Jump to 1134.16 |  |  | 
              
                
                  | consumer basically has and every one of | 3.36 | Jump to 1143.76 |  |  | 
              
                
                  | this is that every one of our partners | 4.88 | Jump to 1204.48 |  |  | 
              
                
                  | itself right so there's more of first | 4.081 | Jump to 1224.799 |  |  | 
              
                
                  | here like 50 of marbles consumer base | 4.24 | Jump to 1368.799 |  |  | 
              
                
                  | their first car | 3.44 | Jump to 1407.52 |  |  | 
              
                
                  | george if i've been renting for two and | 4.799 | Jump to 1446.24 |  |  | 
              
                
                  | wellness to all canadians one third of | 3.76 | Jump to 1468.799 |  |  | 
              
                
                  | 30 000 property management businesses in | 5.041 | Jump to 1472.559 |  |  | 
              
                
                  | related to the u.s where 43 million | 4.801 | Jump to 1479.919 |  |  | 
              
                
                  | over 300 000 uh registered proper | 5.36 | Jump to 1484.72 |  |  | 
              
                
                  | 2022 | 3.36 | Jump to 1503.12 |  |  | 
              
                
                  | has accepted just that third-party | 3.201 | Jump to 1513.039 |  |  | 
              
                
                  | in 2022 yeah so i think for multiple | 4.8 | Jump to 1521.6 |  |  | 
              
                
                  | uh for significant growth in 2002 and | 5.68 | Jump to 1528.96 |  |  | 
              
                
                  | growth opportunities in 2022 and beyond | 5.12 | Jump to 1631.12 |  |  | 
              
                
                  | another great licensing agreement one of | 4.64 | Jump to 1636.24 |  |  | 
              
                
                  | many that you've announced one of many | 5.52 | Jump to 1638.72 |  |  | 
              
                
                  | six weeks uh because this is a fast | 4.479 | Jump to 1653.2 |  |  | 
              
                
                  | we're two different things you know | 3.76 | Jump to 1706.399 |  |  | 
              
                
                  | diligence two ways to do it get to the | 4.16 | Jump to 1852.08 |  |  | 
              
                
                  | page there to give you a good 1000 foot | 4.559 | Jump to 1856.24 |  |  |