Blockchain and AI: The Future of Banking

I think that the hype cycle was your original question, Scott, and 100%, right? This is not new. It's 50-plus years overnight sensation. We got one little piece that we're talking about that everybody's so enamored of: natural language processing for the first time. But we had Clippy 30 years ago. My friends were literally meaning. Two years ago, it took 30 years. So yeah, it's overnight, but 30 years. In terms of the smart contract point that Bill's making, I think total value locked in DeFi today is 0.2% of bank deposits. It ain't going to be0.2% forever. And it's

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