So you never run out of target addressable market. It's as big as it can get, which means that there's no upper bound on how much... Because at some point if you're, I don't know, building in kind of an AI code generator, your market is capped that maybe developers or people want to be developers. Or you're building, I don't know, AWS, it's a massive market, but it's still like all the company that need online hosting. They look at banking everybody needs and the fact that it's oldest or the second oldest, depending on how risky you are or not... Or profession known to man. It is a self-hedged product. When things get tough on one side of our business, the interest rates, let's say, go high, spending goes down, but we make money on deposits. When interest rates go down, spending increases, so we make more your money on interchange, [inaudible 00:54:36] investments. So it's a very self-hedged business that lets you go through the troughs and the peaks better than most companies.
When things get tough on one side of our business, the interest rates, let's say, go high, spending goes down, but we make money on deposits.