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… changes though? You're saying is it true anymore, so you've definitely referred to some changes. What are the changes … cores, we are building the company. I think yes, FinTechs definitely bring a new opportunity, but I think also, it's a … race at executive leadership roles. I think that research definitely helps. I've recently looked at McKenzie & …

… change for the TTC is hard to do in my house. So I'm definitely a debit kind of gal. David Cravit:  Well in my … stage that demands a certain way of using money. And that's definitely my sort of gen x life stage, is that I need it … to do much on my phone other than listen to podcasts. But I definitely use my desktop computer to do all my banking. …

… bring to the system. Cyrielle Chiron: Yeah, no, definitely. And how does it look like in modernization … Cyrielle Chiron: Yeah. Yeah, totally. I agree. Yeah, so definitely a big program, more transparency, more options, … you're absolutely right. We are in a new world, and we definitely need to make sure we adapt to this in order to …