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Cryptocurrency
I think a key sort of just reality of the financial world that we'll on habit over the next 20 years is, I think things will start to open up. And sunlight will be brought into the system, right, stuff will be more transparent access and less relationship-driven. But there are obvious downsides to sort of transparent second to second market to market accounting. If literally all assets were valued in a second by second basis and you see what happens in crypto right and in general there are certain systems where like a circuit breaker where valuations don't happen every second.