What is really, if you look at the last three years, what are some of the things that you're hearing in the market?

Yeah, thanks, Dean.

The change has been significant, just like your opening comments.

Just the amount of change over the last three years, I think we can all agree, has been monumental.

At Columbia, we really focus, though, on the client, right? So taking those changes and ensuring that customer experience is optimized, much like Matt said in his opening comments, just really focusing on that client experience.

Three areas, and similar to Rob, our first thing that I've seen a lot of change around is just the embedded banking, open finance capabilities.

So often over the last several years, banks have really dictated sort of you know, come to our channel, come to our portal, bank in this manner.

So I'd love to hear what is a best-in-class treasury management sales team actually look like?