I think there's a few things happening. I think to your point, it is very hard for very large institutions that have legacy businesses that serve clients every day to really focus on core innovation. 

Some of them try, some of them do it through investing in early stage companies that are solving those problems, which I think is great and a trend that we're a benefactor of. 

But it is very difficult when you have trillions of dollars of AUM, you're serving, you know, millions of customers to rebuild your entire backend stack, right? 

That takes a lot of money. It's like changing the airplane engine out at 35,000 feet. It's hard. And