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… payments and consumer spending behaviors shifted in the last few months? And what impact is COVID-19 having on … Canada, having led our modernization initiatives for the last few years, I'm sure what you thought your first 30 days … the loss of a call center. I think what we've seen over the last few months is that we've had multiple business …

… or at least prepaid payments was about helping this large class of under-banked citizens have more power and … and that has ... You know, we've made huge strides over the last 10 to 15 years with that, and now you're seeing how … For those who are now coming in behind you, for your last comment today, what would be the piece of advice you …