Debt happens, guys–that’s the message from Goldman Sachs’s new consumer advertisement for its much-talked about new consumer lending arm, Marcus. It’s also Goldman’s first advertising campaign… ever.

Marcus’s goal, like all consumer lending arms, is to provide consumer loans. However, most consumer lending arms are not backed by banks that have spent over a century building a reputation for catering to… not the people it is attempting to target in its adverts for Marcus, which will appear on Facebook, Hulu, Pandora, and YouTube.

Providing loans to those consumers with credit scores at subprime levels (which are scores under 650 or so, typically speaking) is a competitive area nowadays; and speculation around how Marcus will tackle the issue has focused less about how it will handle funds–because, you know, Goldman Sachs–and more on how it will handle dealing with the everyday consumer. Because, you know, Goldman Sachs.

You can take a look at the video below. to check out Marcus, you still need a code, distributed, apparently, in direct mail pieces: