David Scott actually said...

I strongly disagree with both of those points, and I would like to use a bit of my time to follow up on them.

Big data and privacy are critical to fintechs.

I want you to understand, and to understand very thoughtfully, that we have to save these African-American-owned banks.

These folks who are registered as unbanked and underbanked--you all gave us the numbers: 8.9 million unbanked households in this country.