 I like to say a lot of business as usual is dead because everything around us is changing but we're still doing things the same way. So a bank still does paper, shoveling paper around, a bank still does the credit score the same way than 20 years ago, a bank still charges transaction fees, but in the meantime we're communicating for free on social media apps around the world, we're sending money with all kinds of services, we have digital money, we have Bitcoin, and the bank is still saying like it's the same as before just faster, you know, but that's not true. Basically every context of business is changing because of technology and the way we do it is changing and the business model is changing and the money we make is going to change. So business as usual is winding down and we're all being reborn into a new way like the music business is now no longer about selling music. We're being reborn into a new generation of business.