The Future of Payments

The Fed is looking at the full landscape of payments versus each of them individually as we make those decisions for the future. We're not just building upon tech debt, we're taking kind of the macro view, right? Like how do we create a architecture where different payment rails can plug in and out? So that's one way. But to your point, like we have to run that today's business, but then we have to be making these bets for down the road,.