How have payment conversations changed over the last few years?

One of the biggest changes I've seen is there's more universal knowledge around payments but it's very elementary. We've got a lot more entities that are curious about payments that want to urge those conversations along. But within the company, I would say back in the day, early 2010s, it was the wild west and people were very risk averse. We didn't want to do things where we were gonna get in trouble with Visa or the CFPB, whoever. So it was heavily weighted towards a risk-based mentality and that has shifted significantly in the last 10 years. Things have really gone towards product experience.