Finance needs to kind of figure out how to become that better business partner.

Yeah, no, I mean, you're so right.

This is something...

You read an article today or you go to, I mean, I go to quite a few CFO finance conferences and there always is this sort of statement that now finance needs to step up more as a business partner, but that's been said for years.

And I would say that good FP&A people, good CFOs have always been good business partners.

So I think it's a key part of the role.

But What does it mean being a business partner? You're dead right.

then I wonder, to one of your points before, if you're so focused on every single number, you're pulling focus away from what drives those and what can impact the decision versus just memorizing every line item.

So what do you think are the, uh, use cases or the potential, potential of these?

Yeah.

And, uh, that's sort of the number one question I would get when talking to people about this paper before I published it, would be like, "Well, what's the point?" Like, what advantages, uh, do these stablecoins give us that, like, our traditional banking system or traditional payment rails don't already have? 'Cause, you know, for everyday, uh, uses, like if I wanted to send $10 to Mohammed or $10 to Peter, I would just use Interac e-transfer.

I send it.

You get it within minutes.

It seems like it's almost instant.

But really behind the scenes there, there's a, a delay on the bank's end, and if I send it to you on the weekend, for instance, that payment wouldn't actually clear until Monday.

... could you, um, elaborate on that?