Below is an Autogenerated Transcript

I think what’s actually evolving is this whole phenomenon of ecosystems. Like a place where you have this sense of trust and appreciation and connection and past interaction and current time relationship and exploration and curiosity about a future relationship. And, you know, the more integrated that becomes, the more seamless that becomes, the more connected and personalized it becomes, the more likely you are to go back to the same place to be now and tomorrow and into the future. But in a competitive landscape, which is all over the world, there’s always going to be new offers coming up. There are always going to be new service providers and of course, today the competition can be one click away, and you’re gone. So, then what’s going to retain somebody into that space of consolidated partnerships or, you know, connected ecosystems, is when you have multiple service providers who end up working very, very closely with each other on behalf of the ease and convenience for their customers. And as those kinds of things continue to evolve, of course, technology playing a huge role in making that happen right now, then people are more likely to say, “That’s where I’m going to go. and that’s where I’m going to stay and that’s where I’m going to buy.” And “That’s where I’m going to get customized.” and “That’s where I’ll share my own information.”, etc., etc.. So, I see that continuing for years to come, yet there will always be the opportunity for the upstart, for the new player, for the innovative offer that isn’t yet integrated into anyone’s ecosystem or anybody’s partnership platform and human beings today have become adapted to being willing to try something new because often that’s something new could also be something better.