Why would the banks disrupt themselves by introducing a digital currency that would make it easier for consumers and businesses to dis-intermediate the banks? Well, the banks may not be the innovators. It may be that they are the reactors that they will react when others innovate. And I'm sure that they've considered the tradeoffs involved in whether to disrupt themselves by introducing digital currencies, or whether to wait and react when others introduce digital currencies. Right now digital currency sounds very edgy and kind of alternative lifestyle, but it's becoming the mainstream. And so, the largest banks in particular are very aware of this, they're investing in the technology, and they will provide this service as soon as it is profitable enough, after considering the cost to them of losing some of their current business that they're going to disrupt. Banks will eventually either be leading, or following, but they'll be involved. They can't avoid it.