 How would you say then Visa is innovating to address these changes? Obviously, you're supporting these trends for all the customers you have around the world. Something like, you know, 3 billion customers worldwide. Yeah. I mean, one thing about these trends that you probably don't know is that some of these take years and years of development to enable. And so if you think you mentioned contactless whereby you can just tap your card and you don't even need to bring your card with you anymore. Mm-hmm.