What do we mean by sort of real-time treasury? Is that where we're going? There's two things here

from my perspective.

I think the first chapter, as you mentioned, was about speed.

And now we're moving into the chapter of control.

So this is how I often position this with clients when we have conversations around their treasury structure.

Simplification is innovation.

We have a tendency in financial services to think of innovation as adding something new, a new rail, a new API, a new platform.

There's a lot of capabilities that you need to sort of deal with the problems that Heather is dealing with every day, right?

[laughs]

And I really like this, 'cause I was like, this is it.

They're not just people who do a job.

These are, like, the best people at this, people who disc- and her job is to discriminate and interpret sounds and meanings.

And she's like all, uh, for like 10 minutes that something's wrong.

"There's a weird sound.

I can hear a weird sound.

[laughs]