 Well, I mean, so specifically with payments, you know, I would say a couple of things like one is so we don't really have a global payment system today. We have lots of little mini networks. So you have like your banks and different countries. This is why there's all these payment companies like Stripe and Adyen and et cetera. Right. And Visa is that there's sort of all these little islands and they don't speak the same languages. And then you have these companies that kind of layer on top.