 that allows for more personalization, more seamless transactions, safer payments, and it just allows for consumers to have the right way to pay at the moment that they're making a payment. It's really just exciting about, we get really excited about the future of payments in general. It's obviously not a one size fits all scenario, as long as we're not trading security for convenience game. So with that in mind, can you shed some light on any of these trends or major shifts in how consumers prefer to pay today?