How does Pry see Brex and Ramp expanding into FP&A, consolidating the finance back office under a single tool, and what are the winning attributes?

Well, I'll try to speak directly to Brex and Ramp. It seems like they've got a venture-backed sector, and they're also taking on Concur in the bill pay section.

FP&A is certainly something that I think they can build and would be exciting and interesting for them to build. But I'm not worried because FP&A is such a large market. There should be multiple players that win. So if Brex or Ramp decides to build here, then it'll further validate that there's something here and that we will eventually do quite well. We’re improving upon Excel, which is a huge market.