Modernization is an obvious benefit to banks. Anyone who's been in this industry talks about how many banks traditionally do not have good infrastructure or are

Modernization is an obvious benefit to banks. Anyone who's been in this industry talks about how many banks traditionally do not have good infrastructure or are ultimately buy everything remotely. Capital One is changing that, we're building a lot of our own stuff. It's not an overnight process, but the results are pretty amazing internally and I hope it'll become more obvious externally soon.