So thanks everybody, for joining us today. Again, Dan Perlin, run the FinTech practice here at RBC, and we are delighted to have PayPal joining us today. And really a unique visitor as it turns out. Doug Bland is the Senior Vice President and Head of Consumer. Now Doug, you've worn lots of hats over the years at PayPal. And as I was reading through what kind of rolls up under this, and I'm going to let you explain this, not me, but it's a lot. It's almost the entirety of what needs to kind of ultimately turn around.