The power of software has moved from that back office cost sennary stuff to the source of customer differentiation. Think about your bank, you no longer walk into a branch. Your bank is an apt and so h youe lookt look at tea. Look at the airlines, like the th they never had aps, and now you open the united ap, the jet bluw ap,. The whole experience is just flawless and perfect. And really it's all the stuff that you wrap around that experience that makes it othat, builds loyalty.