Can you talk to some of the reasons why you discovered the problem existed? What would happen if we weren't here? You know, just sort of talk to us generally about the company and the genesis of things.

Yeah, sure.

And it's come a long way, the organization, in the last nine and a half years.

But I think back to the problem statement that we were trying to solve for, I think it's still as valid today as it was when we first started.

Payments is a network effect business.

And it's the desire to move and transfer value between organizations and individuals.

And at the heart of that are the financial institutions that enable and make those money movements happen.

Could we have done the same thing 12 years ago? Do you think that the cloud providers and the technology that we use was mature enough?