Stephanie Ferris

If they want to use Circle, if they want to use a tokenized deposit, we have to have that capability.

The great news is we have all, and the good news is we're not seeing any of the other things go away.

It's an and, to your point.

We haven't seen ACH go away.

We haven't seen branches go away.

We haven't seen ATMs go away.

It's an and.

So for us, it's an and.

Now, when you think about a technology company ourselves, the thing that I'm most focused on as a CEO is making sure that I enable my entire 55,000 people to be not only AI literate, but AI strength and strong.

So we're investing four times in AI capabilities, both in terms of, Matt, like you talked about, to deliver to our customers the products,

but also to make sure that our technologists are the best in the industry in terms of how to use this technology.

It's like putting a computer on your desk.

I talk to them all the time about, well, most of them don't even remember, but remember when you had a desk and you did paperwork, and then the next day you had a desk and you had a computer, no one taught you how to use it.

You powered it on and figured it out.

And so that's how we're thinking about it.

We're making a lot of investment in our colleagues to make sure that we keep them upskilled and that they can actually be cutting front end as a technology.

Yeah, it's a great question.

We get it all the time.

For me, it's most important as a technology company CEO, I need everyone in my company to be using the most cutting edge technology.

Whether we're using it to deliver for our products or we're using it internally for ourselves, I put it in every single person's hands.