But most of us assume is basic technology for for a bank to have to make payments.

Well, so there's more backstory to this, and the broker-dealers certainly can do that.

But Zelle, by rule, prohibited broker-dealers from participation.

So the rules suggest that, or very much outline, they prohibit broker-dealers from participation.

So most banks, most broker-dealers that don't have banks, like Fidelity, who is, most people don't know, Fidelity Investments is really the largest fintech in the U.S. that nobody knows about.

It clears through 25 banks.

I was responsible for the cash management.

And so what I'm really hearing here is a parallel as well, that in a wealth space, there are a lot of ancillary products and services that really could be turned on to feed that beyond the basics of the investing and the banking piece as well that could create some struggles for prioritization of projects.