 I think the most unique aspect of being involved with this focus group is that it's really comprehensive in terms of the participants, the ecosystem stakeholders who are invited, of which we're one, and probably the process and the rigor that ITU brings to what goes on between the meetings so that you're actually prepared and productive when you get here. So that's really made it enjoyable for me. Looking at it from a 20,000-foot level, what is really important about this group of people coming together is that it's all the regulators, it's private entities, technology innovation companies, it's central banks, it's ministries, it's a collection of people that understand what's going on with the two billion that you mentioned. So there's a view that if you get the proper regulatory framework in place that investment will be encouraged and merchants at all levels will be enabled to receive payments and citizens will be able to make payments regardless of the size. That's what this is all about. So whether you have a bank account or not, most of those people in the two billion that you're referring to don't have bank accounts. And so having that sector of developing markets and develop markets for that matter have the ability to get paid for what they produce on a daily basis in a frictionless manner is what drives economic growth. And that's what ITU I think is really excited about helping us do.