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… Great. Let's get right into questions, and I'm going to start with this. So this is a big report with a lot of … of Canadians were less concerned about COVID-19 since the start of the pandemic than ever before, and this sentiment … the most benefit for them. Other ways in which GenAI will deliver value-added benefits to consumers include such things …

… around future trends and payments. On May 31, our Chief Delivery Officer and interim Co-CEO, Jude Pinto, interviewed a … around the world in payments and also as we collaborate and start to facilitate things like instant cross-border, so … the payment journey? Let's go in reverse order, and Ramesh start with you Ramesh Siromani: Great question. And it's …