But why does that way of financial literacy that we all know is out there today, why is that leaving so many people behind? And what are you aiming to do differently?

Well, if I could take you back to the World Wide Web starting in 1991.

Right.

We all came to Web 1.0, understanding that it was just a one way communication through mail, HTML, HTML.

I'm sorry.

And.

we, we figured out that we could communicate with one another.

So tell us about where you started there and how did you decide what earns a letter?