So I want to hear about how did you come up with the name Certos for these things? And what is that? How is that going to impact people and banks?

Yeah, so first of all, as a fraud guy- Did you pick Sirtos back? I did, Paul.

I am definitely directly responsible.

As a fraud guy who likes to think about machine learning and model validation, it was good for me to get out of my shell and work with the marketing team for a while.

And I'm really happy with where we landed.

One of the reasons that we needed to rebrand is we were in the middle of rethinking our entire product suite and how we go to market with our product suite.

And what we recognized in the industry was there was an opportunity to think about fraud differently than how we had in the past, maybe drive the industry to think about fraud a little differently than how the industry has thought about in the past.

what mobile service they have, and how do we share that kind of thing? So how are you overcoming some of those challenges with sharing across different sectors and what needs to be done and what more can be done, I guess is the question to you all.