I started my first business when I was 18, dropped out of university, and became super obsessive with payments.

Yeah. I mean so I started out I started my first business when I was 18, a machine learning business in London, that had nothing to do with payments at all, but kind of taught me that I didn't really like working for anyone else, and I enjoyed doing my own thing. And, I dropped out of university to run that business, ended up selling it in 2019. And, knowing Fra, Trulia came on to really play around with payments when they were mostly a data business. And, we ended up pivoting really the whole business onto payments, and, I became super, super obsessive with core banking, central bank settlements, virtual accounts,