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… systems. So that, to me, is very critical. And it's a building block for the path forward for a broader and more … in the country? But in my view, it is because it's the key building block for making changes to who's allowed into … Canada to have a view that this is a really important building block for the payments ecosystem in Canada. That I …

… I can just step back for a bit, my team is responsible for building framework and tools to manage financial and … response to it, I think it gave our organization capacity to help. I think instead of firefighting internal COVID … I'm thinking about having a resilient organization and building a strong risk culture, what I mentioned earlier. …

… probably seen STACK, KOHO, Paytm, and others that are building off this. This next wave of neobanks or whatever we … that this is something worth focusing on and how to put the building blocks together of where this might go, and then … than I'd see in the States, whether that's gender, ethnicity, whatever. I feel like there's definitely a lot more …

… very quickly on that. So from there, the relationship building, you know we're a few years later and we still know … Elizabeth Dempsey: It's an incredible relationship. And, building on that, and you mentioned your work together … particularly well? Maybe, but from my perspective, it was a building off of all the things that we had been doing and …

… a lot more success. What worries me though is, while we're building out the infrastructure here, if some of the same … Justin. Great to talk to you. Justin Ferrabee: Siena, building on what Dan shared earlier, can you illustrate for … Dan, you work with 110,000 business and, Siena, you are building a small business. It's hard. It's hard to do it, …