Hey there Patrick, congrats on this launch and Stripe's success thus far.

As to your reflections, I'm wondering how Stripe ingests these various emerging patterns around the world (especially as you expand to unfamiliar territory) and prioritize bringing them into your products?

IOW: if N trends at various stages of the adoption cycle are happening 7K miles away, how do you think about placing different bets on each, especially when the cultural moments may be wildly different than, as yet, Stripe understands?

Cheers! SM