So I want to ask you, what would you have done differently at Monzo the time when you joined, if you have Chachi PT or Claude or, you know, Gen AI of today?

I mean, so many things.

There is always a case, and I wouldn't say about Mo specifically, but in general, that sometimes you know that you have too many people in the sense that the team is not working really well.

The information cost is very high.

You have way too many people to coordinate.

Right.

And the reason why you've done it is, you know, is the classic answer that somebody has to do it, right? So you keep adding people and people.

What do you think AI is not doing today you wish it is doing?

How did that change you?

Uh, I don't remember much, but it changes everything, truthfully, right? Because first of all, you have this beautiful concept of what life is, and then all of a sudden, it all falls apart, right? Your family falls apart, you know, you see your mother kind of crying and struggling.

And I remember thinking a few things.

The first thing I remember is when people really have bad luck like this, what is the job of everyone else? Are they supposed to help you or should they keep doing their own thing? And you see both kinds of people in that moment.

You see the people that...

They're not mean, they try, but they have so much going on in their own lives, right? And they keep doing their own thing.

They come maybe the first week or the first two weeks or the first month.

So, good luck, but I'll tell you when it's released, sometime in Q3, Q4." Does the world of product change in that way?