Is that what makes Asia so different?

Look, again, let's maybe cover off a couple of the larger economies to begin with, right? I mean, we spoke a little bit about China.

China is...

the way it is for historical reasons as regards like, you know, for example, credit card penetration has historically been very low in China relative to Europe or the UK, as an example.

So therefore, there was considerable space for alternatives to emerge, right? Be that Alipay, which effectively started as a escrow payment service for e-commerce and has over time expanded into this kind of whole ecosystem of services.

But the point I'd make is, You know, China, mainland China was starting from a very different base.

So therefore, you know, I remember back in the day, we used to refer to it as a kind of Galapagos of fintech, right? It was kind of untouched by the rest of the region and by global trends.

Are there, do you think there are actually solutions that will work in market?