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I don't think the large incumbents will actually be able to catch up.

And it's really, seriously, I wish I could give you an opinion, but I'm finding it really difficult because it's still so early stage.

One of the things that we all forget is

is that even, I mean, FinTech as a term hasn't been around for more than five, six years.

So all these companies, even the ones who've raised a lot of money, like a Wealthrunner or Betterment, even the ones who have already consumers and lots of assets under management, I find it really difficult to predict that one or the other will succeed because there's still so many outstanding, so many question marks.

I think what is exciting

is that the incumbents are waking up to this now, the corporations that are figuring out, oh, my God, we're about to miss the train.

What are we going to do?

And they're trying to build similar products to the consumers, and they can't because they're just not capable, as you just said.

So the interesting thing is how will these organizations, how will a wealth front or a betterment manage to partner with the right large corporations to deliver a better service and make their business sustainable?

Because at the moment, I'm still kind of curious to see how sustainable these businesses are, either model.

So, first of all, we are the only program with that global reach.

We now have four in what we think are some of the key locations.

We're about to launch a couple more to really cover the globe.

So we offer really every entrepreneur in a region access to the network.

In the insurtech world, there's only one more program, and that's a program in the U.S.

out of Des Moines, Iowa.

And we have 17 different players.

It's called the Global Insurtech Accelerator, I think, or Global Insurance Accelerator.

You know what?