text:  I can tell you my three kids who are 20 and my twins are turning 22, they have a Visa card, but they often leave it on their dresser in the room because they've loaded it onto their phone or smartwatch, right? So they just tap to pay. They don't even carry the physical card with them when they're buying something at retail. It's like they take for granted that that contactless terminal is going to be available. And I guess it is, or else they would carry their card with them if they had to.