 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. 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?