. >> i feel if you get a penny for every time a company or blockchain -- catherine dockerty has beenting some great articles about it. what are you making of the race to get digital for these companies? what does it say about the banks more broadly? >> what is interesting is i connected with one of the innovators on bank of america's team. this is all about what is next for bank of america, how we will serve our customers and how we will integrate some of the teams that we had. it makes communication and the intelligence bridge the gap. that is what they have been doing for clients buying these new patents. they can use them to develop their sickness and to be the next player and help out their customers moving ahead. >> give us an example of the things you might pursue with this, specifically within their business, what do you apply this to? >> ai, if you're ever on the phone and you're going through the motions hand you need to speak with an actual person, that could be used. there is a reference to the commercial business in streamlining so that it is easier to connect accounts. i