I think the biggest problem today is with data. So, in the mortgage industry, you have a lot of people checking the checker, checking the checker, checking the checker. It starts from the application process all the way through. And there's multiple gateways and checkpoints that is basically checking the work that was done before. If we could eliminate that and we could have validated data and services up front that is taken all the way through and integrated and communicated with all the players in the ecosystem, it would remove huge amounts of redundancies and dependencies that we currently have. So I think the, other pieces that come in, whether it's AIML or blockchain or robotic process automation, it's in improving the fulfillment process and cost reduction.