 Appreciate your call, Thomas. I ought to go to this next caller. Vincent, how are you doing this morning? Thank you, Raven, for taking my call. I wanted to ask Michelle Graves, you guys talked about the credit card system and the banking system. Oh, yeah. You say it's going to go through a major change in the next six months? Oh, it's going through a change as we speak, but it should be completely finalized within the next six months, I would say.