[laughs]

Yes.

Well, I do sometimes feel like I want to challenge the norm around, um, around this.

I think when it comes to regulation, we need to do the same.

We disrupt our business processes.

We use the technology to think about different flows for customers, developing new products.

Uh, and I think we need to treat our regulation and our frameworks in the same way.

Um, so I, I do think we will see change, but I think banks that evolve and really think about offering some of these products to their customers will mitigate some of the impact, but possibly not all of the impact.