Visa continues to invest significantly in our network and in our products that are issued by banks and fintechs. I mentioned previously some of our investments in fraud and security. I'd highlight those again. Those are critically important for consumers who are dealing with fraud and dealing with a dramatic increase in scams.
Our investments, both in traditional technology and in AI and other tools to be able to limit and prevent fraud, truly have a dramatic impact and a dramatic benefit for consumers but also for merchants. Ultimately, having a system that is safe and trusted, where fraud is lessened and where those protections are available, means that merchants will have more sales. Their businesses will grow and ultimately they'll be successful. That's a significant part of our focus right now.