Uh, I'm just interested in, you know, what it is that you do on a day-to-day basis, and then if you could just tell us, uh, how you came to, uh, focus on Visa and MasterCard, that would be great.

Yeah.

So my role, uh, this clumsy title, Senior Fellow for Anti-Monopoly and Finance, uh, I sorta cooked up.

And the idea was to look at the issues of, of monopoly power within the financial system.

Um, we could go down a list of things.

You know, there's the, the FICO m- m- monopoly basically on credit scoring.

There's, uh, concentration in investment banking that probably keeps fees higher than they need to.

I mean, uh, going back to the Open Markets event, Elizabeth Warren said, "Look, the anti-monopoly movement is gonna be at the state, state and local and private plaintiff level." What, what are the options for those, uh, policymakers and law enforcers and, and private plaintiffs firms if they want to tackle this? Is it, "Look, you gotta get your hands dirty and investigate and unwind this, uh, the myriad, uh, you know, interconnections here before we, we have a good grasp?" Or is there any additional solutions that you see for these decision-makers?