 Well, so a lot of a lot of the banks feel burned because these were Visa and MasterCard were nonprofits. They created them as nonprofit consortiums and then they converted to for profits. And now they take this kind of tax across of it and they feel burned. And so now, like you basically go to if you went to them and say, hey, I'm going to create a nonprofit, I'm going to create a company and we're going to be the unified payment system. People have tried this and they're all like, no, we don't want to do that because we don't trust you. We'll keep our own little payment system. So the question is, how do you get all these people