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But every time now a young person or anyone really goes to look at a shirt or any piece of clothing or a gadget or whatever, and you always see that little Klarna payment thing right next to the checkout window, that is introducing a whole new use case for the type of buy now pay later model that is available to younger people in a way that really wasn't top of mind previously, so I think that's opening

If you are doing point of sale financing and you're managing to capture market share, away from Klarna, that's net new business for you and fantastic. If you're doing embedded payments for treasurers and you're doing real-time liquidity, that is net new business because you're giving the treasurer information to actually give you more business.

'Cause with Klarna, you already see their logo when you're checking out to buy literally anything online and due to Apple's presence, I think just like Ethan said, you're just going to start seeing it everywhere, which is just going to be way more likely for adoption to uptick. Marcus Johnson:. Let's move to round two. We start with Ethan. What's consumers number one shipping priority?