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… in payments and explore what we'll be talking about in the years to come. Kristy, it's good to have you back and why … is not just the iterative improvement but the true new thinking, the out of the box thinking, addressing that … that. I love seeing the collaboration and there's so much new thinking coming out of the fintech space in all of these …

… all begin? John Ambrose: We've known each other going on 20 years. We both have been involved in the payment industry … for contactless payments and mobile payments. And I knew that Tracey was working independently, and so I invited … who told me that payments were going to be invisible, who knew that he's right. And I also wanted to talk about …

… you can fill in for payment messaging, it evolves, we're on newer versions now of these different payment messages with … means that you can turn fields on, you can add fields for new purposes, etc. But what that also means is that we, for … How many have plans to implement ISO in the next, say, five years? And then Liz, how do you oversee all of these …

… ACH Networks, we processed over 31 billion payments last year that were valued at over $80 trillion — and it enabled … we said that's part of the approval, and so now, we have a new rule, we have an effective date, but unless the industry is aware of that new rule, it's not going to be implemented, we're not going …