Emily, you are up.

All right.

Sounds good.

Oysters, Brian, I must say, I love oysters.

So never heard that one for Fourth of July, but absolutely love it.

I am Emily Call.

I am the Chief Marketing Officer of Nuvia, which was formerly nCend, but now Nuvia, and we are actually a white labeled and co-branded youth and family banking platform for both credit unions and community banks.

Where do financial institutions need to catch up with the times in the United States of America, or globally if you like?