I know I said it, but I wanna make sure from you, is that really still true given how much fraud technology has evolved?

Yeah.

So when I talk about fraud decisioning being binary, what I really mean is that the response options are still pretty binary, even if detection's evolved a lot.

So banks and credit unions have gotten a lot better at identifying suspicious behavior.

We have MFA step-up authentication, behavioral analytics, device intelligence, third-party signals, all these different things, and they've all improved a ton.

But most of the decisions still happen one event at a time.

So maybe a login looks risky and the user gets stepped up.

So you, you basically started to go into my next question, which is, this isn't really a new problem, but why does it feel like it's more pressing now? I mean, it's not ideal, but if it's been around, what's, what's making it maybe a, a bigger problem now?