joining us is stephanie kirkpatrick.t businesses and individuals have learned and how you are bringing faster transactions deeply embedded into apis that help businesses access their money that much faster. i am interested as we think about -- we are about to get a ton of media coverage on it being the anniversary. lead the charge. it is an anniversary since silicon valley bank poke holes in banks ultimate business models. have startups fully recovered? stephanie: i think startups are recovering. i think the banking system is looking healthier than a year ago and what we have learned is for payments and banking the things that are systemically important to running this economy, whether it is small business, commerce, we get to the point where relying on a single financial institution is no longer sufficient. the collapse highlighted that even banks of a certain size carry risk. what we are seeing with our customers is the opportunity to work with tier one financial institutions. we have recently reached a milestone where