So Shai, as L&A technology continues to advance at an unprecedented pace, where should executives be focusing on modernization investment now versus deferring for later?

Right.

So let's first of all, for years, you know, modernization was mostly about replacing aging technology.

But today, nowadays, it's bigger than that, right? It's really modernization is the foundation of what I would say at least four main things like enabling AI, of course, Faster innovation, so shorter path from idea to market.

Stronger distribution, definitely very important in the L&A industry.

Simple digital advisor experience, all those type of things.

And then of course, better customer experience.

What's changed in how insurers are approaching legacy data today?