So how should bank leaders think about fraud investment going into 2027 and not as a line item, but as a true strategy?

Yeah.

You know, when we think about fraud in the marketplace and what we're seeing, you know, and the sophistication that we're seeing from fraudsters and the fact that if you think about our own centric solutions, right, they stopped almost $3 billion of fraud last year.

And it continues to grow.

I mean, the sophistication levels around what we're seeing are just unheard of.

And so Fraud is not just a singular line item in a budget conversation.

It actually connects the entire ecosystem of solutions that you have in play for your consumers and your businesses, right? So if you think about what we're doing with fraud and it's no longer this reactive of like, okay, there's been fraud.

So how are they thinking about it as like, how are they going to fund it?