An important point and one which

I will say that it's typically the more progressive credit unions that are, they're actually very comfortable leading and they want to be out in front in terms of growth metrics, member satisfaction, experience delivery.

And we believe there's strong appetite amongst those leaders to take a different path, a more ambitious path.

And we know that we will see greater separation between leaders and laggards.

You're already seeing it.

So there's a few different ways of engaging in the growth agenda.

Just to take a step back, we all know what the challenges are that credit unions face today.

They're

Um, Jody, what, you know, what do you, what do you, uh, what do you think are some of the big, the big hurdles, the big challenges that banks are really facing into when they're looking at sort of modernizing, um, their current technology stacks the way that they do things? What are you, what are you seeing when you're talking to, uh, to some of your partners?

Well, the good news is that, that the industry's really embraced modernization as a, as an important facet of, uh, of staying current and staying competitive.

Clearly, the landscape is, is evolving rapidly, really forcing banks to, to really level up their game and their capability as well.

I think there's three factors that I would suggest may need greater attention.

So in the past, let's say over the past decade, it was appropriate and maybe even, uh, practical to focus on system-specific modernization.

That is that when a, a specific system or module became obsolete, then you'd modernize that, uh, that system.

Let's call that kind of point solution modernization.

Um, what do you think some of the, the best institutions are doing, um, from a, a sort of technology perspective, technology design, architecture design perspective that some of the bigger banks are still struggling to replicate?