text:  Awesome. Yeah, we'll unpack a few of those new technologies in a moment. Mark, great name, by the way. How successful has Visa's tap services been and how does Visa plan to expand these this year? I love, by the way, I didn't know about that flexible credential option. I don't know if that's a new kind of card that can serve as prepay, postpay and debit. Interesting. Never heard that before. But yeah, tell us about how Visa is evolving this year.