text:  And so just to give an example of some of these innovations, we're rethinking the payment card itself. And so a lot of people don't actually use that physical plastic card anymore. But in general, that card used to only do one thing. It could be a debit card or it could be a credit card or a prepaid card. But we've introduced this flexible credential whereby a single card can be what you want it to be depending on the transaction type.