So I asked each guest, what is still harder than it should be, given all of the innovation we've seen in payments?

The merchant experience, the sign up, get a price experience.

become boarded, get trusted, receive your money, reconcile it, navigate it, choose which rail is right for which transaction type and the price versus your margin.

Just the merchant experience overall, both from the merchant perspective and then from the providers, like our channel partners and us, delivering to them and making what they would like to accomplish be possible, it's still too difficult than it should be.

I think those are the two models that everyone is going to gravitate towards in one sense or the other as the more commoditized acquiring business plays itself out both with lower multiples and with a harder time to actually attract and retain the customers that

they have.

The consolidation of everything maybe is a way to say it, but the way payments will happen, be they user initiated, agent initiated, trusted, verified, will continue to change as part of that disappearance or submersion I talked about prior, but I think it will accelerate.

And then I think the... optimizing at the transaction level.