Sorry.

So, sorry, what was that, DeRuva? Okay.

So the one thing we also should understand is that for, say, the majority of DCAs here in the room, they use effective third parties to onboard customers today.

And they jump through many of the hoops that we're asking them to do again.

So I think that one of the things and one of the critical things that we as an ecosystem need to do is be able to get all of the right people in a room, slap them around the head a bit, and go, you all need to come to an understanding that there's a standard that we all need to get to.

And if you sort of always point to somebody else and go, they're going to make the standard, you'll never have a standard.

So it's getting the people who have the most to benefit, which are the DCAs.

Stefan?