So do you have a view on what feels different right now, where we are now compared to, say, previous waves of innovation? And do you have a view on, you know, this moment now, what's different?

Yeah, I think there are many things that are different.

There's so many things happening in the world right now that people are probably tired of hearing the word unprecedented.

But these are new things that are happening.

But I think we have this convergence of new or much better technologies combined with the... maybe regulation in many parts of the world that's a little bit less restrictive so there's there's more opportunity to do innovative and new things combined with the openness of of younger generations to doing things differently and actually, in fact, demanding to do things differently.

I was mentioning my daughter's never having written a check.

They've never, as far as I know, my younger daughter has never visited a bank branch before.

And where's the guarantee of it getting there in two days or would you like to pay more? I know we've come on a long way in cross-border, but Tom, would you say how far are we from, as a consumer, me being in a place where on my mobile or my method of making payment, that I can make that cross-border payment to Brazil that you mentioned just as seamless as I could do an instant payment?