Are you guys wrestling with that, or is that still getting built from a cultural standpoint, or do you have that culture already in place so you can just hit the floor running?

Yeah, I think, you know, Rob, you mentioned quite a few points in there.

You know, one of the things I'd look at is data's forever changing.

And so the way that you approach data also has to change constantly, right? You know, Ghana's the day where you can sit and design a data warehouse and live with it for 10 years and say, it's going to function well, right? You know, we're constantly changing how we model data and how we approach data.

You know, one of the things I mentioned about, you know, you used the word fair and right, in judgment of AI and things.

And we could talk about this for a long time because in my opinion, there's no such concept, right? Everybody's talking about it because there's a black...

AI brings this black box around a decision there, but AI done correctly brings transparency.

And all that history that might have happened, if somebody could feed that into that context from a data standpoint to help that AI agent figure out what's fair defined by the digital commerce group, from historical decisions based on a business side or technology side.

And now, Paul, this question for you, do you have like a sandbox that so startups and or the bank can play with whatever type of mass data or whatever so they can do that kind of testing and see how the rails work?

Yeah, one of the things we're actually proud of in the DC group is strategy with APAs, right? So, you know, we are probably one of the first in Canada to take this strategy.

Everybody's starting to catch up now.

And, you know, I'd say, you know, from an API perspective, API is about the only way now you can actually make payments happen in a quick way, because it's all about systems talking to systems or computers talking to computers there and so you know we publish our apis on our website right we actually have a sandbox that each of our clients can access even before they become a client so that they can work and try using the apis that are there you know one of our proud moments is being able to take one of our clients one of our big clients into a new version of a transfer api just over a weekend So the whole goal of APIs is not, hey, I want to develop something for six months.

It's let's get it done now.

Let's move money now.

The user experience is a little bit different, and that takes some time.

Are you seeing that push pull like you're getting pulled in more or are you, you know, coming to the table to say, hey, we can help you?