0:21:30 Dave @DCBK2LA: Yeah. And true. True. True. Yeah. Mona, go ahead. Good stuff, Tej.

0:21:34 Moni @monitalan: Look. XRP has been doing this with clients for a long time with... So... Ripple with XRP. And they were trying to grow the middle market, especially on that front. But the biggest challenge they had was bank adoption. And so a lot of the businesses want... Wanted that back up from the banks. And that's where I think this makes the difference. Right? Once you have JPMorgan in there, now you have the trust of…

0:22:22 Dave @DCBK2LA: Great point. Agreed. Agreed. Agreed. I think, like, at the end of the day, like, it's just... They're gonna roll this stuff out slowly, slowly, slowly. Right? They need to make sure that, like, obviously, like, we're gonna give these benefits to some of our bigger clients, right, to let them see how this functionality works. But I'm sure there... There's been extensive, extensive testing. But, also, maybe I just…