...as true partners and not in a way of competition and or, like, we'll get them close, we'll pull them in, and then we'll just slow them down as we build our own or try to be that sort of competitive thing on the side that I've experienced several time

...US fintech, has been forced by the state of California regulators to stop using the word bank in their marketing because they're not a bank. They're using someone else's licenses and giving a better UI experience to another banking license. And so I