I think that inasmuch as there's still physical cash in circulation, that debit cards will still be relevant, unless when there's no more needs to carry physical cash around, only then will we see a total digital transactions. CBCD is a new innovation that will eventually eliminate physical cash, and I believe that debit card operators like Mastercard and visa will become innovative too to make their services relevant when there's no more cash to withdraw from the ATMs. We're already living in cashless societies, with mobile banking, so the addition of cbdc will not be strange to costumers.