 Visa and MasterCard and Bank of America and everybody to agree on some new standard. JP Morgan has their own thing, Zelle, and someone else has Venmo, and PayPal has this thing. How do you get all these people to get together and agree on something? By the way, Visa and MasterCard, the way they did in the past, those were nonprofits. You made that point in the book, actually, which I thought was fascinating. Considering what's happening with open AI, actually, I wrote that down. I don't think a lot of people know that about Visa.