First, how has the audit and banking landscape evolved over the years, including how audit confirmation requests are processed and what role do you see

technology playing? Sure.

So I won't spend too much time dwelling on the past, but I think it's important to talk a little bit about how audit confirmation processing has evolved within banks over the years, just for some helpful context.

So for those of us who have been around to kind of see the process mature, if you will, you know, it started by physical mail and in fax eventually, you know, responding to audit confirmation requests through email.

But we all know that that carries some security risks.

But you still have banks and their operations teams and their customer support teams, you know, manually matching a letter to an account, stamping it, mailing it back.

And that hasn't really changed in a long time, even though every other sort of process around the bank, you know, seems to have changed and gotten more efficient.

Dennis, if there are better tools out there, ones that have introduced new features and innovations that are likely a better fit for how banks operate today, why are some banks hesitating to adopt them?