Is There a Way to Deliver on the Promise of Real Time Payments?

We are trending toward a world that optimists building, where as opposed to having a medical insurance card and maybe an HSA or an FSA card and a grocery benefit card if I'm on Medicare advantage. There would be a unified one card experience where one card works for everything. And there is way more transparency in health care. Is that what you're saying on the consumer side? I would say Daisy, that's really close.