 Blockchain technology has helped drive innovations in the fintech industry, but what is blockchain technology? It's essentially a decentralized database of digital information that is stored and updated on a network of computers. Entrepreneurs should be aware of blockchain as an underlying technology for a lot of fintech. Victor, can you briefly explain blockchain and how it works? Historically, every individual has their own ledger and it's a centralized system, centralized in the sense that I have my ledger, you have your ledger, and we control that information and all those other bits of information coming into us have to go through my particular process and my particular software and my particular analysis. What we are moving to, and there's an interim step of decentralized ledgers wherein you might have a large company that has multiple locations or you might have inter-company interactions where the trucking company that you're dealing with has its own ledger and it somehow interacts with your ledger. What this makes for is great inefficiencies and a higher risk of mistakes happening during data transfer during transactions. What blockchain does is creates a distributed network and what a distributed network allows, it does a couple of things. Number one, we all share the same ledger at that point related to these transactions. So that's the centralized network. There's the decentralized and Jonathan if we can pull up the distributed. So now everybody can see the same information everywhere along the process.