text:  We've also introduced this concept of a passkey, and it's all around how do we make payments safer and easier to use online when you're shopping online. And I'll talk a little bit more about that as we go. And then we also talked a little bit about TAP. We're making sure that there's more and more ways in which we can introduce this TAP technology to provide better experiences for customers. We also announced a thing called a data token, which