 Yeah, and I think if you look globally, it's really quite interesting because, you know, the nice thing about Visa is we operate in nearly every country in the world. 20 years ago, there used to be one way to pay. But now just there is so many different ways to pay around the world. In particular, some of the key trends would be there's digital wallets. So you can load your card or your bank account into a digital wallet and you can make payments. You can send money to your friends.