But what is the one thing that the industry, do you think, still misunderstands about where payments are heading generally? Do you think there is a misconception?

I think there is and there isn't.

I think if you're in the business, I think there's very little.

I think if you're outside the business, maybe you don't quite understand how important it is as much.

But I think also there's many people in the business who think that it's some kind of large money making cash cow business, when actually it's a mechanism to support other types of business, really.

You know, payments, when I first started my career in payments, payments was a back office function.

It was, you know, hey, you had a product or service and, you know, here's the invoice, pay in 30 days.

And for those that don't know much about the clearinghouse, maybe if you could just take a few moments to talk about what responsibility the clearinghouse has in that kind of future and what role they'll play and how significant that role is.