A lot of it really came as a result of the Neo Banks. The other thing about the UK is that Revolut, Monzo, those groups are actual banks. They also have a very different- How recently did that happen? It's not like they've just always had this right. So when you're leaving a Revolut in London through an open banking system, you're actually leaving a bank to go to another bank. Here, if you left trying to think about a chime as an example, you would be leaving bank Corp, not Chime. That's what it all comes down to.

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