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… aligning with HVPS+, oh, we should do the same. So it's a self fulfilling piece of activity that helps sort of guide … so that's kind of really kicked off HVPS+ has formalized itself to say, OK, we will start putting out usage guidelines … middle of last year has been moving at pace to formalize itself into something that is can create predictable change on …

… I feel like is a shocking statement to make in and of itself. But human beings are very smart, but our capacity for … pay remitted to you on demand for no additional cost to yourself and no additional work from your employer. At this … or just simply boring at first. I mean this may seem self-evident, but research shows that people who take an …

… to anybody? Why do I have to stand in a kiosk to be able to self checkout? [crosstalk 00:06:25]. That's worked for me. I … go home and order it online. Very rarely will I subject myself to a 20 minute line to buy a clearance dress that I … a card or insert a card or anything. It's just scan it yourself and just walk out of the store. Justin: So, we were …

… and I said, "I will make these obsolete." It will sort of self reminder I believe in this and I think we as a company …

… to make it happen, or is it risky? Is it kind of like a self driving car, even though it works, you still feel … And I can say yes or no and you could just start to put yourself, insert yourself on the payments on your phone, or you could even do …

… authentication, for example. How do you authenticate yourself to a service. That is part of identity. But identity itself is really all of those descriptors about who we are, … Glazer: And some of those are things that you describe yourself, right? You provide, that is, you know, information …

… try to educate our clients on how you can protect yourself. Um, and I think that it's as good as our clients are, … responsibility in the transaction as well. They just can't self-select and say it, you're responsible now. I, I agree … Any other comments from, Grant Mackenzie: I can't help myself? The, go ahead. One other issue that's gonna bear …