And then I'll let Walt tell you what Next Moves is today and how we solved that.

Yeah, I mean, today, like to Steve's point, the journey has been very interesting, obviously, as we dynamically grow and try to add new things to our platform.

But really, if you think about it today, we're a unified orchestration management platform.

And why I want to make sure that people understand what that is is because in the marketplace, it's a myth, right? In the ethos of issuing card programs and building up these types of programs, whether you're a big box retailer or a big merchant that's out there, like you want to say you're a Macy's, or hey, you're an next-door fintech that is disrupting X vertical of the marketplace.

The reality is that when you think about their individual journeys, one, they're organizations that were not built around building card programs.

They're built around solving another problem.

And so they're not card program experts, not payment experts.

How did it kind of migrate over to being a formalized solution when you started early days with obviously the extensive history and experience you guys both bring to the table as an advisory type model? Like when did that shift over to providing that solution in a mature, sophisticated way?