that the the uh loan rates are going to be lower against that collateral because the repossession costs are lower and and they're going to pass some of that on to induce usage. uh is what my argument would be. >> I think we're going to see a collision course of AI and finance uh much quicker than we think. Um and I think that's going to be um accelerated with uh 24/7 markets cuz they're coming and they're coming fast. uh the NYSE, the NASDAQ,
uh the NYSE, the NASDAQ,