companies like square, doordash, insta cart, klarna, build. now pay later reduces fraud at the point of sale for doordash if you believe that everything from a payment perspective is moving to modern platform, being digitized, cash to card, there are many payment companies in the market today who believe in -- that that's going to happen and marqeta is one that believes in that we've proven that with our growth over the last ten years. >> can you explain to the audience a little bit more about the business, but specifically i think about your business in some ways as an arbitrage. you may not like this, around interchange fees between the smaller community banks that benefitted from the durbin amendment after the financial crisis and the big banks. >> the durbin amendment was created back in 2010 to protect consumers and protect small banks. companies like marqeta derive revenues from interchange. we take a portion of interchange. we share that to our customers, we share that to the acquiring sides, pay at the point of sale and the networks an