@bradenhamm Focus is on getting the experience right. Not just product, but lifetime of experience. This is a massive and fundamental shift in payments experience as we know it today. Today paying for stuff is a dance. Lots of interaction and often time between merchant and payer. With UP4 payments and that dance basically becomes invisible. That is a big shift. As a result, security and trust are key aspects to have right if we want it to truly fade to be invisible. Since Amex always has the customer's back, they are key to delivering that experience. They can uniquely due that partly through the tech investments they have made and because they own both the bank and the processing part of the transaction.