How does somebody who is in my position or maybe in high school or college get to the point where scripture is written on their heart and they can bring it up in everyday conversation?

Yeah, it's so critical because when you memorize a Bible verse, it goes from your conscious mind into your subconscious into your unconscious mind it gets deep within you and it's the way that god accelerates the transformation process so uh first of all i'm reading the bible every day so i have a time in my case i wake up i get a cup of coffee i have a little desk in my bedroom even so uh so i just begin reading the bible there but as you read the bible you find wow, this is a good verse.

This is really, this is a great verse.

I wish I knew this verse.

And so you just write it down and work on saying it over and over and over again.

Sometimes I'll write it down and I'll pace back and forth in my room and say it out loud and I may preach it out loud.

I've just been working on Psalm 27.

So I'm going to use that in probably my message this weekend.

Wow.

Um, so yeah.

Yeah, it, it was a pretty massive undertaking, which is, quite honestly, not done yet.

We're still working on it.

But, um, uh, a lot of the same materials, but also, uh, Wayne Kovach, our festival... well, FBJA president, has been out there pounding on doors getting new materials.

We have a bunch of different materials that we've been playing with for the playground, so it's gonna be-... um, drastically different.

Ran them backwards or something.

I did.

You know, given your background, the ABA would love to get your thoughts about what happened here and kind of the relitigation, you know, what the banks not really paying attention to that and do to do to have valid concerns or possibly like a lot of funds leaving the banks and going into stable coin platforms where people can earn yield.

Yeah, so it's a good question, right? And whenever there is new regulation that sets up a new structure for money movement, everyone wants to weigh in.

And there's always a dance that happens to make sure that we're both allowing new products to market fast enough and creating a regulatory structure that facilitates innovation, that facilitates new thinking.

Balanced against the need to maintain consumer and customer protection, that the way these things are rolled out or done responsibly, that there isn't sort of a gap in oversight that would otherwise exist.

So there's always a debate around this.

I've spent a good chunk of the last few years testifying before Congress and others.

trying to help think about how we create a responsible regulatory structure for this new form of money.

I would love to get your take on that market and is Payoneer looking to integrate tokenized assets in any