Payments is part lf your business model, s part of you ar like products and service and custom experience strategy. There are so many options now, i think, like that's one of the previously it was probably a either build it yourself or engage with a single provider for a large set of capability. So io'uld be very sceptical about an organization choosing tobuild something completely from scratch in this space unless they really see something that is going to be a key differentiated for their business.