So I don't know if you guys were, if you were paying attention.

It's actually not that easy sitting back there to hear here, but there was a question

in that list there about the number of people in the crypto community businesses that

had had trouble getting a bank account.

And if you added the yeses with the prefer not to say answer, it exceeded the nose.

So clearly there has been some impact.

I mean, it does feel as if this is a real thing, at least according to the consensus, you know, contributors to that survey.

So I suppose I just like just start with that maybe.

How real is this as a problem?

You have a very specific story, Caitlin.

So why don't I go to you, Rich, and just take it from there?

It's a huge problem.

The events of the last six months,

I've really put the damper on entities wanting to bank this space, but it's a legal

business. And I think that every business in this country is entitled to access to banking rails.

The regulation, I think, needs to be matured. Congress has clearly advocated what they're

supposed to be doing, and the regulators are struggling to keep up.

And as a result, the financial institutions, a lot of them are taking a step back and trying to figure out the landscape.

And that's the part of the job of a good compliance officer to help them figure that out.

And you'll give us an international perspective here, Oliver, I assume.

So what do you see as sort of either looking at the U.S. or the broader picture around the world?

I mean, it has taken this crisis to shine a really bright light on just how valuable and rare that piece of infrastructure is.

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