executive of cisco systems.ining us on talking business. yours is one of the biggest names in computing, so i have to ask, what does the ai future look like to you in ten years' time? for example. how do you think our working lives are going to be different? well, first of all, thanks for having me on. it's really a pleasure to be here. i think ai�*s fundamentally going to change everything. we've talked about the fact that most of these major technology trends in silicon valley, we tend to talk about them for almost a decade before the real impact is felt. this one's different. it's going to change everything about how we deliver education. it's going to change how people work. when you're in your work environment, you're going to have virtual assistants that are going to be making recommendations to you all day about things that can help you be more productive. when there's a problem, you're going to have an assistant a virtual assistant that's going to tell you three or four potential things that could be cau

i've been speaking to the big boss of cisco systems.s is one of the biggest names in computing so i have to ask, what does the ai future look like to you? in ten years time, for example. how do you think our working lives will be different? ., ., think our working lives will be different? ., ,, , ., ., think our working lives will be different? ., ,, ., ., different? thank you for having me on. different? thank you for having me on- it _ different? thank you for having me on- it is _ different? thank you for having me on. it is a _ different? thank you for having me on. it is a pleasure - different? thank you for having me on. it is a pleasure to - different? thank you for having me on. it is a pleasure to be i me on. it is a pleasure to be here. ai will fundamentally change everything. we spoke about the fact that most of these major technology trends in silicon valley, we talk about them for a decade before the impact is felt. this one was different. it will change everything about how we deliver education and change how people work.

let me give a special thanks to amazon, cisco systems, cognizant, erickson, mastercard, meta , nielsen, salesforce for their sponsorship of today's program. i will now ask you to silence your phones, turn off your ringers, but don't put them away. we will invite you to share the intersect experience with your audiences. tweet, post, and engage in social media however you like as we move through today's programming. you'll find us on twitter and at the intersect 2024. go ahead and post away, all day long, please. we will be doing digital pulse throughout the program. you will need your phones to participate with those. we have instructions showing up as we go. you can go to the pigeonhole web address and enter your code to join. submissions will be anonymous. we appreciate your participation. let's get the ball rolling. it is my pleasure to welcome jason to the stage. he is the president ceo of iti, our fearless leader, will be introducing our keynote speaker. jason? [ applause ] >>> thank you for getting us kicked off. hello everybody, it is so great to see you. i cannot see any of you

and it's happened del, international business machines, cisco systems, they're all getting kicked out of china as beijing games to let its own companies take over all tech operations by 2027. so why are the chinese doing this? well, according to them, they apparently don't trust us. american tech giants have long drive them china, as we provided them with tech tools, they provided us with cheap labor. and now the china reacting no doubt to the match the back and forth with washington over the last 7 or 8 years, said it's driven to self sufficiency. within the computer industry, it's operating systems and it's software systems because it doesn't trust the us tech companies any more. can you say take the time? usually the wise of presidents are exclusively engaged in peaceful affairs, their education, human rights, equality, accessibility, and maybe you expected from me to speak on those topics. but how can i talk about them when and improve ok and provoke, invasive terrorist war is being waged against my country of russia is destroying, are with people that in case you couldn't figure

as it's happened, del, international business machines, cisco systems, they're all getting kicked out of china as beijing games to let its own companies take over all tech operations by 2027. so why are the chinese doing this? well, according to them, they apparently don't trust us. american tech giants had long drive them china, as we provided them with tech tools. they provided us with cheap labor. and now china reacting no doubt to the match the back and forth with washington over the last 7 or 8 years. savage, driven to self sufficiency within the computer industry. it's operating systems and software systems because it doesn't trust the us tech companies any more. can you say take the time? usually the wise of presidents are exclusively engaged in peaceful affairs, education, human rights, equality, accessibility, and maybe you expected from me to speak on those topics. but how can i talk about them when and on per loca? and pro invasive terrorist war is being waged against, and my country of russia is destroying, are with people that in case you couldn't figure it out for the re

it's happened. dell international business machines, cisco systems, they're all getting kicked out of china as beijing games to let its own companies take over all tech operations by 2027. so why are the chinese doing this? well, according to them, they apparently don't trust us. american tech giants have long drive them china, as we provided them with tech tools. they provided us with cheap labor. and now china reacting no doubt to the match the back and forth with washington over the last 7 or 8 years. savage, driven to self sufficiency within the computer industry. it's operating systems and software systems because it doesn't trust the us tech companies any more. can you say that usually the wise of presidents are exclusively engaged in peaceful affairs, education, human rights, equality, uh, accessibility. and maybe you expected from me to speak on those topics, but how can i talk about them when and unprovoked, unprovoked, invasive terrorist war is being waged against? and my country of russia is destroying all the people that in case you couldn't figure it out for the records,

as it's happened, del, international business machines, cisco systems, they're all getting kicked out of china as beijing games to let its own companies take over all tech operations by 2027. so why are the chinese doing this? well, according to them, they apparently don't trust us. american tech giants have long drive them china, as we provided them with tech tools, they provided us with cheap labor. and now china reacting no doubt to the match the back and forth with washington over the last 7 or 8 years. so that is driven to self sufficiency. within the computer industry, it's operating systems and it's software systems because it doesn't trust the us tech companies any more. can you say pick the top? usually the wise of presidents are exclusively engaged in peaceful affairs, education, human rights, equality, accessibility, and maybe you expected from me to speak on those topics. but how can i talk about them when and on per loca? as pro invasive terrorist war is being waged against, and my country of russia is destroying all the people that in case you couldn't figure it out for

i catch up with the boss of the digital tech giant cisco systems on its latest moves in the world oflcome to the show. obesity is defined as abnormal or excessive fat accumulation in the body that presents a risk to health. and more and more of us across the world are falling into that category. the good news is that the percentage of the world's population who are underweight is declining. but obesity is now the most common form of malnutrition in most countries. they can mean too much as well as too little food. and it comes with a hefty price tag. the causes of weight gain are complex, and it's important when we talk about the economic impact of the disease that the costs are not attributable to individual behaviour,

as it's happened, del, international business machines, cisco systems, they're all getting kicked out of china as beijing games to let its own companies take over all tech operations by 2027. so why are the chinese doing this? well, according to them, they apparently don't trust us. american tech giants had long drives in china as we provided them with tech tools. they provided us with cheap labor amount. china, reacting no doubt to the match the back and forth with washington over the last 7 or 8 years. savage, driven to self sufficiency within the computer industry. it's operating systems and it's software systems because it doesn't trust the us tech companies any more. can you say take that usually the wise of presidents are exclusively engaged in peaceful affairs, education, human rights, equality, accessibility, and maybe you expected from me to speak on those topics. but how can i talk about them when an unprovoked and pro invasive terrorist war is being waged against? and my country of russia is destroying all the people that in case you couldn't figure it out for the records,

chuck robbins is the chairman and ceo of cisco systems, he spoke to my colleague tadhg enright earliereal—time insights to all of our customers so that they can detect cyber security threats in real—time. as we know, the bad actors all around the world, as they get their hands on al and they are able to actually be more effect of with their cyber—attack strategies we, as an industry, have to enable our customers to be able to respond faster and this splunk acquisition is at the heart of allowing us to do that for our customers.- that for our customers. does that for our customers. does that suggest _ that for our customers. does that suggest that _ that for our customers. does that suggest that in - that for our customers. does that suggest that in this - that for our customers. does that suggest that in this ai i that suggest that in this ai future packing risks are going to become an even greater threat. because, of course, they have been climbing for many, many years now. what ai does for the — many, many years now. what ai does for the bad _ many, many years now. what ai does for t

systems, cognizant, erickson, mastercard, meta , my own organization, sage, salesforce and siemens forip of today's program. i will ask you to censor the internet curators, but don't put them away. we will invite you to share the intersect experience with your audiences. tweets, post and engage in social media however you like as we move through the programming. you will find us on twitter at iti and hashtag, the intersect 2024. post away all day long, please. we will also be doing digital polls throughout the program and you will need the phones to participate. you will see instructions showing up on the screen as we go, which you can see and you will be able to scan the qr code or go to the web address and enter code to join. your submissions will be anonymous and we appreciate your participation. let's get the ball rolling. if my great pleasure to welcome jason to the stage. he is the president and ceo of iti, fearless leader and will be introducing our opening keynote speaker for jason. >> [ applause ] >> thank you for getting us kicked off. it is so good to see you. if the light w

behind it is boeing, microsoft and cisco systems. now to the laggards. apple at the top of the list with shares down 1%. we will talk more about apple in a bit. followed by verizon and coca-cola. >>> one of your big money movers today is fedex. shares of that company moving higher ahead of earnings after the close. under performing the broader markets. the weather weighing on shares this year. wall street is expecting a muted holiday quarter. profits to grow 1.5%. this is the last quarter before fedex consolididates express, ground and freight to one unit. express air delivery is a major area for cost cutting. estimates have revenue falling year over year. look at the par bar chart. keep in mind that dhl is citing weakness in air freight. joining me on the cnbc news line is ken huckster. >> good morning, frank. >> you have a price target of 313. that implies a 20% increase from where it is right now. what are you seeing in the stock? >> what we're seeing is this quarter with a lot of pressure from weather we're coming in looking for below consensus. it h

let me give special thanks to accenture, amazon, cisco systems, cognizance, ericsson, mastercard, metaization, netapp, nielsen, qualcomm, sage, salesforce and siemens for their sponsorship of today's program. i will now ask you to silencing your phones and turn off your rigors, but don't put them away. we will invite you to share the intersect experience with your audiences. tweet, post, engage on social media however you like as we move through today's programming. you will find us on twitter and at # the intersect 2024. go ahead and post away all day long, please. we will also do some digital polling throughout the program. you will need your phones to participate in those. you will see instructions showing up on the screen as we go. you will be able to scan the qr code or go to the pigeonhole web address and enter your code to join. your submissions will be anonymous. we appreciate your participation. let's get the ball rolling. is my great pleasure to welcome the president and ceo of iti, our fearless leader, who will be introducing the opening keynote speaker. >> [ applause ] than

it reminds me very much of cisco systems back in the late 1990s.as like the nvidia of the internet age. oh, if you're into the internet if, you have to own cisco. 25 years later, cisco is exactly where it was back in the 1999 despite the fact the internet has succeeded. i'm bullish on a.i., but the valuation of these stocks, especially nvidia, is too far, too fast. study stuart there's a lot of people jumping into it with the intention of selling, it's like a gambling chip in that sense. >> it is the greater fool theory. you mow i'm a momentum investor, and new highs tend to beget more new highs. the fact that the nasdaq and nvidia are near all-time highs, i'm a contrarian. i'm looking for things that are off the radar screen, things people aren't talking about day after day after day. that's that i'm focusing on. stuart: and you have brought with you the goes got you can investment of the week, an etf for africa. i've not seen this before. explain if it. >> yeah. turns out it's not just a song is, stuart. did you know that? there's actually a cont

she'll be able to give you full use of the cisco, which is the formal. so you have a new level of care to, is it all pretty much all the, all the a bunch of love, but if we doesn't forcibly, hopefully we'll just, just to give an answer from friendship, relative to support is useful models the newest prohibiting the teaching and the usage of the russian language were introduced in ukraine. soon after the 2014 code. the special with each of the largest in the gray is going to use the canyon, but right at the metal, someone gives me the escape. no problem. i've done this deal easily when i get a mustache, nature bleach. the fisher needs from the radio that somewhere else and letters and the last one just didn't want. in case you lose a couple of a 2nd. let me swear a little more to the publisher story. in young cowski leads us through the center of warsaw, which controlled west and ukraine until near the end of the 18th century. from here, the book, she has always began the irreconcilable war against orthodoxy. in the russian language. he provided the jesus

so it's not so pretty cisco, but then you enough on georgia. i need you to feel and think that system on board the port oak on you you that seems a really by ceiling. millions from vista villages, from custody, had been sent by the occupying all sort of things to cut down trees. they happened to be near the sight of the bush. they were all to declare 50 meters, a forest beside the road to prevent the partisans from getting close to it. that was the detail from custody. became the 1st talk to you in mexico victims. well, i really, you can, that's what was you, but a we can call it meaning what? uh no, so shoot me a usual almost all day. so we'll try to do for you for you. for flow of 24 civilians treat, sent us from coming. what killed but some managed to escape by running into the forest? this was march 22nd 1943. the boxes on suit set up, the ambush had withdrawn to hunting. and that's probably telling me a hard thing is to wish them not to politically put that on the throne. elsie's patient is that brooke said, pull up over there, did not you

she'll be able to give you the cisco, which is the formal. so you have a new level of care to, is it all pretty much all done and get all the a bunch of love up, hopefully doesn't forcibly. hopefully we'll just just to you, room temperature flow is used. disappointed is useful model. so the lowest prohibiting the teaching and the usage of the russian language were introduced in ukraine. soon after the 2014 to the special ed teacher with the low grade is going to use the can you provide f models coming, gazing, the lady at the auto scale? no problem. i'm done this deal or evening when i had a mustache. nature believe the fisher needs already. oh, that's what i was and what are you so nice and we're just single part of you was like if money in case you lose a couple of assessments. what a little more to the published, historian, young cowski, leads us through the center of warsaw, which controlled west in ukraine until near the end of the 18th century. from here, the body shop to always use began the they reconcile the war against orthodoxy in

the system has been ordered carpet and she'll be able to give you full use of the cisco, which is a formal level of care. there's also a pretty much all the a bunch of level, if we doesn't forcibly own you for 40 movies just to give it in to future subordinate facilities. useful models. the newest prohibiting the teaching and the usage of the russian language were introduced in ukraine. soon after the 2014 to the specialization of the go ahead, even though gray is going to use the canyon. but right after metals come gazing. go right at the auto skin problem. i've done this deal easy. when i get a mustache nature bleach, the fisher needs from the video that's allows and letters, and that is the last one. in case you lose a couple that says me, sweat on the water. the phone is just dorian, young. cowski leads us through the center of warsaw, which controlled west and ukraine until near the end of the 18th century. from here, the book shields always began the irreconcilable war against orthodoxy. in the russian language. he provided the jesus to us the best product of the symbol at the can pi

the system has been what of course. and she'll be able to give you full use of the cisco, which is the formal. so you have on your level of care to is all pretty much all the, all the a bunch of love of hopefully doesn't forcibly on you possibly what was just to give it to him to future pro is used to support his useful model. so the laws prohibiting the teaching and the usage of the russian language were introduced in ukraine. soon after the 2014 to the spencer was each of the largest in the evening. okay, is going to use the canyon provide f metals coming, gazing, provided at the escape. no problem. i've done this deal easily. when i had a mustache, nature believe the fisher needs from the video. that's what i was. and what are you so nice and what you would like if money in case you lose a couple of a sudden we split a little more to the publisher story in young cowski leads us through the center of warsaw, which controlled west and ukraine until near the end of the 18th century. from here the book, she has always be

and she'll be able to give you full use of the cisco, what's the phone? so you have a new level of care. there's also a pretty much, all the, a bunch of love, the proof we doesn't forcibly, or you possibly move. it's just that you room temperature is used to support his useful model. so the more fluids prohibiting the teaching and the usage of the russian language were introduced in ukraine. soon after the 2014 to the special ed teacher with the wedding in. okay, it's going to use the canyon. but right at the middle school gazing provided at the yellow skin pump gun. this viola usually will neither moustache nature believe the fisher needs for the video. that's what allows and letters is the last. and when you send a new one in case you lose coupled a 2nd, let me swear a little more to the publisher. story in young cowski leads us through the center of warsaw, which controlled west and ukraine until near the end of the 18th century. from here the book, she has always began the irreconcilable war against orthodoxy in the russian language, the me see the pr

the cisco. what's the formal for you have on your level of care. there's also a 3 month old on get all the a bunch of love of proof. we doesn't forcibly own you, possibly movies just to give room temperature for his useful models. the newest prohibiting the teaching and the usage of the russian language were introduced in ukraine soon. of the 2014 to the specialist, each of the largest in the gray is going to use the canyon, but right after metals coming, gazing provided at the auto skin problem. i've done this deal easily when i get a mustache. nature believe the fisher needs through the video that's allows and letters and that is the last one. in case you lose a couple that says me sweat a little more to the publisher. story in young cowski leads us through the center of law sol, which controlled west and ukraine until near the end of the 18th century. from here the book, she has always began the irreconcilable war against orthodoxy. in the russian language. you will see the provided of jesus

>>> we are currently tracking a storm system that is starting to slowly move towa rd democrats agree. conservative republican steve garvey is the wrong choice for the senate. ...our republican opponent here on this stage has voted for donald trump twice. mr. garvey, you voted for him twice... as your own man, what is your decision? garvey is wrong for california. but garvey's surging in the polls. fox news says garvey would be a boost to republican control of the senate. stop garvey. adam schiff for senate. i'm adam schiff, and i approve this message. what do i see in peter dixon? i see my husband... the father of our girls. i see a public servant. a man who served under secretary clinton in the state department... where he took on the epidemic of violence against women in the congo. i see a fighter, a tenacious problem-solver... who will go to congress and protect abortion rights and our democracy. because he sees a better future for all of us. i'm peter dixon and i approved this message. >>> a well-known nonprofit organization is barred from accepting city funding. that is the move

with that we could see a chance of rain returning by next weekend, it doesn't look like a big storm system still something down the pipeline for us. i will focus on that, keep your eyes on saturday and sunday, 60s and 7 cisco cut in lynn valley, 73 saturday, 75 sunday. spring weather as spring officially arrives next tuesday at 8:06 pm. we are on with the weather right when the calendar says. >> now only 39 seconds away from friday. >> i love the count, do you have a digital clock? >> yes. i'm onboard.>>> up next, relighting the bay bridge, how much money has been raised and what comes next.>>> hey everyone, casey musgrave's is my guest. plus university of >>> the spacek starship rocket reached orbit today but broke apart as a return to to earth. but overall the company says overall it was a successful mission. today's rocket launch nearly completed an entire test flight on the third try, the unmanned rocket was supposed to splash into the indian ocean but disintegrated during reentry. the company says it plans to fly hundreds of missions before it eventually sends astronauts to the moon a

with that we could see a chance of rain returning by next weekend, it doesn't look like a big storm system but still something down the pipeline for us. i will focus on that, keep your eyes on saturday and sunday, 60s and 7 cisco cut in lynn valley, 73 saturday, 75 sunday. spring weather as spring officially arrives next tuesday at 8:06 pm. we are on with the weather right when the calendar says. >> now only 39 seconds away from friday. >> i love the count, do you have a digital clock? >> yes. i'm onboard.>>> up next, relighting the bay bridge, how much money has been raised and what comes next.>>> hey everyone, casey musgrave's is my guest. plus university of >>> an east bay freeway shutting down for the entire weekend. we will help you navigate through that closure. >>> plus the bay area's new women's soccer team hits the field. everything y business. it's not a nine-to-five proposition. it's all day and into the night. it's all the things that keep this world turning. it's the go-tos that keep us going. the places we cheer. trust. hang out. and check in. they all choose the advanced net

a present for cisco, 37 in sunset and mission at 59. for the northbay, 36 in ukiah and 58 in sonoma. our next rain chances, beyond this, friday, saturday, sunday, this system in the upper-level will just slowly move down the coastline through this upcoming weekend, to keep, leaving chances but a decent chance of thunderstorms in the mix for us. rainfall totals here through friday, 1/4 to 1/2 inch. we could see some half-inch totals over those adequate mountains, and parts of the south bay. saturday, trace amounts and one quarter inch for lower elevations. higher elevations right there in the yellow, up to about half an inch. and on easter sunday, only trace amounts, so does not look like a total rainout on easter sunday, but be prepared for some rain chances. >>> check out this 10 day forecast next monday, tuesday, wednesday, that is the payoff, 70s coming in with sunny weather. that will be amazing. seven day forecast, scattered thunderstorms, keep your eyes to the sky, watching the radar, you can do the easter egg hunt in the morning,

if they can givens people they need their own ai systems, they certainly can do that.di:haidi: our senior editor annabelle: the boj is widely expected to end its negative right cycle in just a few hours. our coanchor of the china show david is joining us. this has some different ways you can look at this but what are you focusing on here? david: what is clear and reports have told us enough -- they have told us for a while is the key point that markets have more or less coalesced through expectations of what is going to happen today. you have been talking about this etf buying, yield curve control. what is interesting is ever since expectations of a change to the boj began, we have been tracking this yellow line which is your 10 year young swap. you start to see that diverge from the actual 10 year yield. trustingly enough but not unexpected when the fed started raising rates in 2022. the gap is built along expectations of the boj might be forced to change its policy. recently and to my earlier, the gap between the two has fallen to 2022 levels which to some analysts i

for anybody that doesn't know technet representing a vast array of companies from cisco to apple to aeard the perspective from the congressman mchenry and mastercard perspective. talk about just in general what view of the system today. >> there's more use of digital apps there's more interest in it and look to digital immigrants like my mom is watching. i taught her you how to use venland put it in her payment apps and now she says it's the easiest way. if you are migrating towards that which is an acceleration of on from the policy perspective is making sure washington doesn't over regulate. red tape never created what we was american ingenuity and as we see the ecosystem develop there's a balance between safeguards where consumers need to be protected and what is the environment to let the regulation be necessarily added maintain at the thriving pace and we see a lot of storm clouds in the agencies right now with kind of a ready fire aim mentality and hold on just a minute. there's a lot of countries like china, the eu, the policy instut survey last year that said 37 out of 44 tech

i cisco say it was as soon as in george y dissipation with young people with a cup shift. and if there's a is a rural areas you have, which in most many use organizations and i thank you very much for your attention. you have been based on the development of the role territories come with competence or the support of rural young diesel at georgia. since day i'm always somebody me in the for but a secret invitation with the programs were complex. we were conferencing a new motor and image room, territories and stuff. and it was across a full same visit. i mean, you know, specialist as i said, may need to buy a thing. it's like, well, for the 1st time to, i mean this is my 1st time just to get in front of you. i hope this is not the last time while i do a semester, i didn't get the origin, but i sort of damage to young people additional or that would impact the or something fine. my colleagues and county taurus, you know, so it's a visa, totally is a little support. you're losing to do simple thing. you, but we believe in you, we are rush. i mean, that makes sense to me. tha

what cracked the whole system was not somebody failing to present earnings, it was cisco having 6% projectedly strong companies and see evaluations move lower. the way that we balanced that from a portfolio construction perspective is to acknowledge that these companies are showing strong profitability, good quality but they are not diversified. adding a layer of small and mid cap growth companies as well as a digital infrastructure layer makes it a nice package to stave off some of those idiosyncrasies . jonathan: is this about sectors or size? is it small versus large? large multinationals will have a difficult time with the policy changes that we are starting to see. lisa: in a number of the big tech names people are pricing in no upside from china. that is not the same for apple and tesla. they are much more intricately connected. is this the known knowns or could you get some kind of black swan event? lauren: there could always be a black swan event. jonathan: lauren goodwin in new york with life investments, thank you. here is your bloomberg brief with danny berger. dani: americans are

for anybody that a vast array of companies from cisco to apple to a bunch of them.ctive from the congressman mchenry and mastercard perspective. talk about just in general what you are seeing the comprehensive view o system today. >> there's more use of digital apps there's more interest in it and look to digital immigrants like my mom is watching. i taught her you how to use venlo and put it in her payme ne easiest way. if you are migrating1" towards that which is an acceleration of access and what we are focused on from the policy perspective is making sure washington doesn't over regulate. red tape never created what we are seeing it was ingenuity and as we see the ecosystem develop there's a balance between safeguards where consumers need to be protected and what is the environment to let the regulation be necessarily added and maintain at the thriving pace and we see a lot of storm clouds in the agencies right now with kind of a ready fire aim mentality and hold on just a minute. there's a lot of countries like china, the eu, the policy institute put out a surv

for anybody that d■companies from cisco to apple to. we kind of heard the perspective from the congressman mchenry and mastercard perspective. talk about just in general what you are seeing the comprehensive view of the system today. >> there's more use of digital apps there's more interest in it and look to digital immigrants like my mom is probably watching. i taught her you how to use venlo and put it in her payment apps and now she says it's the easiest way. if you are migrating towards that which is an acceleration of access and what we are focused on from the policy perspective is making sure washington doesn't over regulate. red tape never created what we are seeing it was american ingenuity and as we see the ecosystem develop there's a balance between safeguards where coum nwhat is the environment to let the regulation be necessarily added and and we see a lot of storm clouds in the agencies right now with kind of a ready fire aim mentality and hold on just athere's a lot of e china, the eu, the policy institute put out a surve

you're here on behalf of -- [inaudible] a trade associationw, aa ray of companies from cisco to apple of heard the perspective from congressman mchenry, we've heard the mastercard perspective. but talk abo what you're seeing, the comprehensive view of the digital payment system today. >> this is a really great time to be talking about digitalnow, there's more use of digital apps, there's more interest in it than there ever has been before. you just look outside millennials who are digital natives and look to digital immigrants like my mom who's probably wching -- [laughter] >> you know, i taught her how to use venmo, and i put it in her payment apps on her pe uses it ? she saysnd it's the easiest -- e used to mail me checks when we'd have dipper, right? as you're acceleration of access, of use. and o what we're really focusedn from from the a policy perspective is makg washington doesn't overregulate and stifle innovation is. red tape never created an any s. we see this ecosystem develop, there's always this balance, right? if between safeguards, what are consumer protected and what's