So given those big issues, but also the fact that you were, were in banking back at Deutsche Bank back in twenty sixteen and now with Santander, how do you compare and contrast kind of where you've seen things go in the last ten years?

So first of all, it's a pleasure to be with you this morning, Clay, and to have the Future Leaders Group also participating in this conversation.

I remember very fondly my experience on the Future Leaders Group, uh, in twenty sixteen.

And when you framed it as you did in that question just now, it actually really takes me back to a moment of, of both kind of personal and, and professional consequence.

The Future Leaders Group meeting in twenty sixteen was actually in Madrid.

Uh, and at the time I was with a German financial institution.

Actually, it was the first time that I was really introduced to the bank that I now, uh, proudly lead in the United States.

So what do you think will define success for banks over the next five to 10 years? Um, let me give you a few, uh, options, and you can, by the way, take any of them, or you can go in your own way, which is, is it gonna be technology? Is it gonna be business model adaptation, geographic strategy, staffing of financial institutions, or maybe something else? Anyway, just kind of how do you see things growing over the next five to 10 years or changing?