what happens when it's widespread across the U.S. or not? Let's call it what happens when it becomes behavior is normal then that people are using real time or instant payment.

It's going to be interesting to see.

I think you're starting to already see things like I'll give you one use case example.

Car buying.

Right.

Most people buy their cars on the weekends.

Right.

What goes through a bank's decision process, do you think, when they want to modernize? Is it all risk or is it?