[laughs]

Um, [laughs] commercial banks to regional banks to community banks, everyone has their place in the ecosystem, and we all work together to ensure that it all keeps moving along.

And what I tell people is community banks have the ability to navigate things quicker and be able to react quicker because we don't have the economy of scale that really large banks have, right? A really large bank, you can't have somebody going off the reservation to work in the gray area necessarily for a client because of how heavily they're regulated and just the economy of scale and making sure everything does the same, where a community bank can be more nimble in that space, right? And I think the other thing that large banks are getting away from, and again, I think it's just the scale, large banks now are national and global.

It's not like it was when I first started.

What they're reinvesting necessarily in the micro communities i- is what I see has changed the most, right? They're leaving that space to the community banks because they're trying to market and promote that you have access across the entire country.

And when you do that, you're sponsoring very...

You're doing Super Bowl ads or things like that really require a lot of cash, and you don't have that money necessarily to reinvest in the local community.

What did you find in the conversations you were having, what was the most effective way to talk about stable coin issues and Genius Act that made the biggest difference wi- in the conversations you were having?