Why don't we start at a high level and talk about this new Visa offering?

I think you started off really well, which is, first of all, what Visa does for a living and what I love doing is helping our banks, our credit unions, our financial institutions in general.

build the capabilities that they need to run their business engage with their consumers and clients and so this is a really great example of that that's on the the front edge of technology so what we're doing here is you have your favorite banking application you're probably checking it daily at least weekly to look at you know what is effectively today kind of the past Right.

It's your transactions, your balances.

And so what we're doing and offering to our banks that will make its appearance to the end consumer now is embedding AI into that experience.

So now you're not only getting the past of transactions, balances, what happened, but it can start to help you figure out what can happen or what will happen.

So like in a nutshell, if we talk about what it is and what the experience will look like, you know, Mark, you've used, you know, various AI assistants out there and you know what that experience looks and feels like.

Can you give us a couple more examples of what we could ask? If there's a subscription that we forgot about and we're paying 10 bucks a month for something we no longer use, we could be notified for things like that, right?