I think AI specifically I think is going to be fundamentally change the entire banking space as it does the consumer behavior delivery channels you know AI I think when we look at it we have >> what is a delivery channel >> so how do I connect with you right and what is the behavior are you prompting a behavior to me or am I prompting a behavior to you so if you look at a standard bank today around 98 to 99% of calls are inbound calls to us complaining about something there was a fraud on your account your ...