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.

0:20:30 Voice D: Okay. As someone who prefers Android for everything except for spaces, when I... When Apple makes an announcement, like, I'm one of those Android guys. It's always like, well, we've been doing that on Android for, like, three years. So, like, why is this special? But, you know, it's Apple. So, like, they're the big fish in the sea and whatever. When they made the announcement three years later, all of a sudden…