So I'm very much of the opinion that, you know, as we progress, particularly in the financial services sector, the idea that things being more open and accessible than specifically through API and, you know, PSD2, meaning that banks are to open up their APIs and allow third parties to connect is absolutely the way forward. It's been instrumental. Is this, I'd be very curious to see if people think that this is wider representative of the future of technology, that API is what's going to bring us all together and allow for everything to interact and coexist while being able to take advantage of everybody's services, because I'm certainly of that opinion myself, and especially in a B2B world.