The main theme was competition and enabling competition. What's inhibiting a competitive solution like ours from entering is the ability to access consumer information. Definitely open banking is one of the elements.
I want to repeat what Mr. Jenkin said earlier around putting in the right safeguards and encouraging consumers with the right way to increase their adoption of cryptocurrencies as a country. We start understanding better how we want this to be part of our financial ecosystem. That definitely helps. Also, the point we discussed with Mr. Lightbound regarding regulating the adoption of stablecoin and bringing it forward into the country will help. There was a paper presented to INDU, I think it was on November 11, around making federal regulations as we come to the adoption of cryptocurrencies. These are important.
Finally, what you are doing today is helping regardless because you are inspecting where there are inefficiencies and where potential competition is not able to enter. This definitely is one of the steps that will move things forward.