Stephanie Ferris

Everybody has digital capabilities and digital agent capabilities.

Now, the challenge is, and then we give a lot of learning, but you have to have a natural curiosity to want to do it.

I talk a lot about my dad who lost his job in the 90s and didn't know how to work on a computer.

I came into my career in the 90s and I had a computer.

I never knew how to not work with a computer.

He never knew how to work with a computer.

So that's really where we are in terms of AI.

You have to want to learn how to do it.

And it's my job as a CEO to make sure that I put the tools in your hands and I encourage you to do it.

And then it's really up to you to make sure that you embrace it.

Yes and no.

So you're absolutely right.

So first of all, I agree with you.

I never count the U.S.

consumer out.

And in fact, because of the large data that we see, not only are financial services and banks booming globally, but the consumer continues to remain healthy.

I think you just talked about that on your previous piece.

We're not seeing signs that a consumer is under stress or duress.

So that's good.

And I do think I agree.