How did this range come about today?

I was teaching in Mexico City.

In fact, it was the daughter of an ex-president there who was our distributor at the time.

And so I was teaching Mexico City, but also in a town, small city called Tabasco, where very famous for its sauce.

and um going just before i left that trip there was a an australian woman her name's kachina i've never met her we've had these conversations by phone and she said i'm getting a sense you should go and visit palenque and she had been there a couple of years earlier and it was in the south of mexico and it wasn't too far from from being in tabasco you know if four or five hours to get there and so I went there and on that trip my daughter she was maybe about seven at the time and a few weeks earlier before going on that trip in the meditation I had I'd seen Grace as a young woman on her wedding day and she'd just grown into a really gorgeous person that and she was so incredibly happy and and like i just had tears every time i think thought about for days after just seeing you know your child develop into you know such a wonderful person and being very happy you know i'd been um traveled lots of nice places and i usually had had a rose quartz crystal with me And when I got that meditation, I thought, I'm going to keep taking this rose quartz crystal with me.

And on her wedding day, when, you know, you've something borrowed, something blue, I'll throw in something old.

And that'll be this crystal and it'll absorb some of the energies from all the nice places that it'll have been on by the time she's, you know, an adult and getting married.

Yeah.

So why do you believe that this is such a powerful implication for longevity?

Well, it's kind of combines two different interests of mine, biology and also physics.

But really what it comes down to is I was sitting in a lecture when I was a young scientist during my PhD.

And I remember seeing a video of the limb of a salamander that had been resected.

So a scientist had cut off the limb of a salamander and then taken photographs of that limb over the course of several weeks and stitched those images together into a movie.

And so what I was seeing was a movie of a limb regrowing.

And that just blew my mind that an animal species not too dissimilar from us could have a whole limb removed and regrow it.

For listeners hearing this term for the first time, what exactly are Muse cells and what makes you so excited about them?

So why do you believe that this is such a powerful implication for longevity?

Well, it's kind of combines two different interests of mine, biology and also physics.

But really what it comes down to is I was sitting in a lecture when I was a young scientist during my PhD.

And I remember seeing a video of the limb of a salamander that had been resected.

So a scientist had cut off the limb of a salamander and then taken photographs of that limb over the course of several weeks and stitched those images together into a movie.

And so what I was seeing was a movie of a limb regrowing.

And that just blew my mind that an animal species not too dissimilar from us could have a whole limb removed and regrow it.

For listeners hearing this term for the first time, what exactly are Muse cells and what makes you so excited about them?

You wouldn't tell that it was not an original convertible.

Well, the purists would note that the top of the quarter windows are not flat.

They have a slight sweep, which I actually think looks a bit better.

And pretty much that's about it.

A slight rib in the boot.

It means, of course, that your roll bar can't come from rimmers.

You have to get it specially made, but that's okay.

That's probably the epitome of racing, isn't it? You drive it down, you give it a good nudge and then you go back again.

What do you guys see as a good deployment of open finance versus maybe kind of the MVP that people have maybe deployed in the past?

Yeah, I mean, I touched on this in terms of moving away from just access and technical solutions to outcomes.

And, you know, I mean, I'm quite simple in the end.

You know, I think about outcomes as, you know, our payments working better, you know, our decisions being made more accurately, for example, and our businesses saving money.

Right.

And so I think, you know, we can tie like the various different propositions to this, but it's very much outcome driven.

So, you know, as an example, just to talk specifically about payments, you know, there was a lot of kind of stand up capabilities of just like offering account to account payments just, you know, for whatever reason, just to have it there.

Where have you seen really positive PSP deployment of the payment rail, particularly?

And Ian, from your point of view, what are merchants actually dealing with when they're trying to scale cross-border at the moment from a Mastercard perspective?

Yeah, I mean, what we see is that in some ways the demand for merchants has just caught up with the infrastructure.

So they're demanding multi-rail options delivering on the same outcomes that John was just talking about there.

Those domestic real-time infrastructure to enable real-time payments has been around for a long time, but as we said, it gets a little bit complex when they're having to deal with that on cross-border.

And so for particularly enterprise merchants operating across a number of markets where, you know, having local currency drives material outcomes from a conversion perspective and performance perspective, but also dealing with some of the complexities around reconciliation, refunds, you know, other operational processes, what they're having to do so far today, either themselves or through inquiries, have to manage that complexity.

And that gets quite complex if you're trying to operate across multiple markets.

So what we're aiming to do is deliver one solution that works domestically and cross-border that they can scan around.

From a Mastercard point of view, where are you guys seeing the earlier, or it's not even earlier now, it's been around for a long time, but where are the real growth markets for this as a payment method that you guys are seeing?