Well, the first thing I’ll say on that is, if we do this, right, and we may not because it’s a big challenge, this will be a leveling force for the industry. And the small companies that are still working on a spreadsheet should find that they’re going to have great tools available to them, the industry is going to create them and the regulators are going to encourage them in the coming years. And it’s going to be possible not to be carrying a big heavy disproportionate compliance or operating cost burden. If say you are a small bank, if you’re a small FinTech, you’re going to be regulated digitally. And you’re going to find that your regulator can see what you’re doing more easily than they can today. But that will be a process in which problems are getting caught early. And it’ll work better. In terms of what the leading companies are doing, you know, it sounds sort of trite to say it, but it’s really true, they are realising that their business is technology. I’m among many who predicted the word FinTech is going to go away, because fin is going to be tech mainstream, just you won’t need the hyphen anymore. And the same for reg tech, regulation is going to be technology, better technology tools. So the companies that are in the lead are hiring data people, data scientists, and I realised that everybody worries about being able to compete to hire Google engineers, and so on. And the big companies are doing that. The small companies are going to find that Google engineers are going to design the tools that they’re going to need, and they’ll be able to buy them affordably. They also, the big companies, the leading companies are also doing what we talked about before, they all have experimentation programmes, I went to one of the top four banks and looked at their innovation lab. And it was really fun, they had a drone that they can send out to look for insurance questions. And they had a 3d printer. Some of that is maybe for show and playfulness. But they’re really pushing themselves out into that lab environment to say, not disconnected from the needs of the company, I mean, they’re the good ones are listening to what do we need to solve for, but then they’re putting people on to solving those problems and not putting a box around them. These companies are all adopting agile workflow, for example, which is not how we traditionally have worked in these spaces where you put a big, you know, multi disciplinary team on a problem and get the problem solved together. You know, knee to knee, elbow to elbow, we tend to have in finance the water flow, you know, the sequence that makes it take a long time to change things. And they’re adopting Human Centered Design. We have one US regulatory agency, and I I’m not gonna say which because they’re not public yet, that hired a designer to redesign their one entire unit, a small unit, from top to bottom, from their workspace to the information they’re getting and how they get it and how they use that, and the tools that they have in their hands. So the leading companies are thinking that way. Their way, way, way outside the box.