So how are some of the payment options like FedNow and Stablecoin and all the different payment options that are happening, how is that affecting what you guys are doing from a payment modernization perspective?

Yeah, thanks for the question.

I think, you know, to Catherine's point about modernization, I think there are different things we should be looking at from an orchestration layer.

But one of the things, if you go from 50 billion to 220 in a couple of years, you've acquired a lot of systems and you've acquired a lot of different legacy technology.

So part of our challenge has been really just kind of modernizing to get to common infrastructure.

So part of that is just looking at where are the opportunities to streamline not only on the sort of the ACH side, but wires and looking at real-time payments as well.

Both First Citizens and Silicon Valley had launched real-time payments about the same time.

What does that look like? Like, how are you choosing, like, which pieces would go