We're already in a digital world. We started with the only possible worst-case scenario, but you're absolutely right. This makes it much more efficient. I think regional banks... Things could be settled faster, right? Think about that maybe more cheaply. There are benefits. Totally. Anybody try to do a wire transfer lately? The charges are really outrageous. Takes three days or whatever. So this is definitely a positive. Like I said, we landed on the one square on the board that maybe private citizens should be concerned about. And when you work backwards from there and everything, I think is much more positive, much more modern, much more efficient, and definitely cost effective.