The Trends in Bass FinTech

Banks really need to think of themselves as regulators of their FinTech partners makes a lot of sense I think there's this notion that the banks aren't ultimately responsible because maybe if they get a fine they could push to the FinTech partner but you got to think about the worst case scenario where FinTech goes under and then the bank is caught. Even if the FinTech doesn't go under so definitely responsibility still lays with them We'll have to zoom out for the last little section and move away from talking about the guidance and just broader FinTech topics are there any interesting trends right now that you're watching or paying attention to in FinTech? Gee, Reggie, I wanted to talk