0:33:19 Landy @CryptoLandy: So the, the OCC is the office of, the control of currency, and they're the ones who actually regulate the banks. The... And there's... A lot of people think... Like, when you think of the the Fed and OCC work hand in hand, there's not, like, one that supersedes the other. They do different things. Like, you know, the OCC plays a a role in... Essentially, to make it easy for everyone. It is, they... They're kind of…

0:35:52 Landy @CryptoLandy: I'm not gonna say CBDCs because we already live in a society and system where you essentially... We essentially already live under CBDC control. It's just, you know, there's still cash floating around. But there is, like, what does, what does a purely, asset backed coin that does have, like, legit issuance, where do they sit? Because, you know, there's gonna be many, many more of them coming. Do they go…

0:38:10 Dave @DCBK2LA: I hear you. I mean, I I guess, like, there's there's the up and the downside. Right? So, like, maybe, like, let's let's maybe touch on what some of the downsides could genuinely be for for something like this. Because, yeah, like, it... I think it can be a a massive win, but there are 100%. There's gonna be downsides to everything. So just to be clear so everyone understands, what the Genius Act is doing is they're…