0:19:02 Dave @DCBK2LA: Yeah. So I'm trying to play this out. So I think JPM is already... They're on bay... They... They've already... They have an agreement with Base, I believe, already, right, with JPM Coin. And I'm trying to, like, get GBT to help me expand on this. It says the attraction is simple. Businesses need to move money outside banking hours. A supplier shouldn't have to wait until Monday just because a payment was sent on a…

0:19:54 Bread @_ToastMalone: Well... And you can already do that, though. That's what I'm saying. Like, with with Stripe and USDC buys from Circle, you can already do that. You can already have instant settlements across 30 different currencies, and, like, you can already do all of that. The JPM's, like, promising, like, this is what you're going to be able to do coming soon. And it's like, bro, we've been doing that for months. What's up?…

0:20:14 Dave @DCBK2LA: But it's not applicable for you. Right? Like, I think it's applicable to, like, the... Like, they said, the businesses at the end of the day. Businesses that need to be able to transact either overnight on weekends that, like, nontraditional banking hours, this is gonna benefit them for sure. Tesh, go ahead, and then we'll go to Monica.