Hi, I'm in New York traveling the cab. Let me talk a little bit more about this concept of step ups, and why step ups are so powerful step ups are powerful because they eliminate transaction detail. So it gets us to something that's useful. But it's not so specific for just one specific output one specific reporting reason, we can use the balances that are created for lots of different reasons, they serve more than one purpose. So it doesn't go clear to an Ender report. But it gets rid of some level of the details so that then the reporting processes can happen much more rapidly than if we didn't have the step up balances to begin with.

Why is this powerful? Well, one thing it does is it changes our systems. And our systems don't really have to understand much about what they're posting at all. They don't have to be targeted to a specific kind of report the city systems that do the balance creation of posting process. They don't care whether they're dealing with financial transactions or risk attributes or customer types of balances, anything that's quantitative that can be posted, could be posted by this system. And yet the things that are posted to are these individual more discrete balances, that then we can aggregate those balances together to get to an end reporting process that's much more targeted to our specific needs, gives us a great deal more flexibility in our reporting processes.

That won't we find if we, if we go straight clear to the and reports. So step ups, this concept of step ups are really a critical element. Anything that would be built that would be approaching what we've talked about in terms of a metric engine