have the ceo of the most inquisitive super regional bank of this year, kelly king, chairman and ceo of tncnd it was also one of the three banks that made profit and former wells fargo chairman, dick, covase vick, retired as chairman in 2009, but not before acquiring wachovia in the financial crisis in 2008. welcome to both of you. 20 years out, what is banking looking like in america? >>> interestingly, a lot like it does today. there's a lot of things changing, but starting in 197 2, every week, there's an article in five years, we'll be in a cashless, checkless society, and for 35 years, nothing change. now, it is changing now, but things don't change as fast as sometimes we think, point one. but on the other hand, things are changing. very quickly. and so when we look forward 20 years, andrew, there could be a lot of changes, largely around three areas. there's a whole question, which we can talk about around disruption and there's the question about data, data science, cyber security, and then there's a whole question of what does the regulatory environment look like in 20 years? >> al