This is based on our engagements with clients, our experience with the clients that work with BDC. If I start with the 300 consulting engagements that we've done, for the most part they tell us they don't know where to start and are not comfortable with a lot of the language related to technology adoption. So it's an aversion to not knowing where to start or when, and not being entirely sure how to do it.
In many cases they have other conflicting priorities.