I mean, we're gonna dig down a little bit to what that means for the conference, but pulling back a little bit f- uh, outside of just the conference, when you think about payments, what specifically are those challenges and opportunities that you look at in particular from your point of view, Lisa?

It's keeping up with technology is a huge burden, especially for smaller financial institutions and credit unions.

That's a struggle to try to, to make the experience for the consumer keep up with what fintechs are doing, neobanks are doing.

Uh, uh, you know, there's so much change happening in our industry.

I like to say used to be the payments people were always in the basement.

We weren't the coolest people.

Now we're, like, popular and cool, so it's like a whole new thing.

What would you say to an organization that has maybe not put Smarter Faster Payments 2027 as part of, uh, their agenda of where staff would go, but say to them that this is the year, the 2027, that if you've been holding off going or sending staff to payments, that 2027 is the year that you should make sure that you are prioritizing Smarter Faster Payments as you're thinking about next year's budget?