The charge with payment ays it's a real layer cake thes. There's lots of things ut where you could choose to and be a provider to another organization, either a little higher up or a little further down this layer cake. So if you think about apple, for example, in terms of thedigital wallet offering, that became a very natural component of people's lives. And so like their acquisition of moby wave that two years ago, they're now actually looking to replace the ata, the pos terminal itself.