I mean, is it a pricing story, technology payments? Is it something more fundamental? You know, how do you kind of view the same question that we ask you?

Yeah, I think it's fundamental, but this is more of an evolution rather than a revolution, is what I would say.

Things are changing rapidly from a technology perspective.

And some of the factors that Kia laid out, artificial intelligence and tokenized deposits, stablecoin, as well as this really large generational wealth transfer.

And so when we're kind of thinking about these changes, one thing that really comes to my mind is clearly technology is going to play a huge role.

The digital experience, fraud is going to be a number one concern for business and consumers.

But I still think there's some things that are going to stay the same, and that's important when we think about this evolution.

I'm like, why am I at the bank I'm at? But anyways, Justin, on the other side of that equation, could you shed a little more light on this DRI and what it means, what it's representing, and kind of how to think about it if you're a banker right now?

I mean, is, is it a pricing story, technology, payments? I mean, is it something more fundamental? You know, how do you kind of view the same, um, question that we a- asked Kia?

Yeah, I, I think it's fundamental, but this is more of an evolution rather than a revolution is what I would say.

You know, it's not Things are changing rapidly from a technology perspective.

And some of the factors that Kia laid out, artificial intelligence and tokenized deposits, stablecoin, uh, as well as this really large generational wealth transfer.

And so when we're kind of thinking about these changes, one thing that really comes to my mind is clearly technology and...

I- is gonna play a huge role.

The digital experience, fraud is gonna be a number one concern for, for business and consumers.

I'm like, "Why am I at the bank I'm at?" But anyways, Justin, on the other side of that equation, could, could you shed a little more light on this DRI and what it means, what it's representing, and kind of how to think about it if you're a banker right now?