We're investing in expanding Plaid's network reach to new geographies and people across the world to better support the online payment ecosystem, growing our payment partner ecosystem with two new partners Norbr and GlobePay, and building out geographic coverage to deliver open banking payments and data services across Europe. We've recently added capabilities for Spain and Poland, offering an app-to-app experience in Spain that creates a smooth customer experience and increases conversion on mobile flows. Our expanded coverage has enabled companies like Kraken to offer easier onboarding and account funding experiences across Europe, with at least 90% coverage of consumer and business accounts in most markets. We're committed to meeting local needs and offering payment journeys that people are accustomed to as they transition toward digital finance.