Given your experience of working through everything and working at interact with Googles and things like that, What does bringing innovation to a 200,000 member credit union feel like? And what are the things that you translate to when you're working with your team?

Yeah, it's a great question.

You talked about BMO and even though it's a big bank, part of Big Six now, it's interesting because being on that side and being in a large financial institution, it definitely has its speed and its pace.

But also during the fintech boom, it's all about really empathizing with what a partnership structure looks like with a fintech.

Because FinTechs will naturally operate at different speeds because of cash flow, to be clear, than a big institution, whether it's a credit union or even a big six, right? And so when you look at that, it's actually fundamentally important when you think about innovation that all that transparency is critically important.

And I think innovation, to your question, is all about partnership structures, but ultimately at a higher level, it's about how does an organization think about and do differently.

It has to be both.

How did it kind of come across the Beam roadmap? What kind of goals do you see a loyalty program fulfilling? Maybe it addresses that concept you talked earlier about with the how do we differentiate?