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Leo Tucker: Hi, everybody, and welcome to Business Over Borders. I'm your host, Leo Tucker, and I'm joined today by 2 very special guests. I'm joined today by Andrew Doukanaris, the CEO of Flotta Consulting, and Melissa Pottinger, our VP of Payment Ops here at Reach. Hi, everybody.

Melissa Pottenger: Good morning. Andrew Doukanaris: Hi, Leo. Hi, Mel. Leo Tucker: Hey. Glad to have you both. Okay. So we got a lot to talk about today. We, one thing everyone's kinda curious about getting close to Black Friday, Cyber Monday here at the end of the year. 2025 is coming in hot. So what are we seeing? What are some of the big factors we see driving global ecommerce in 2025? What's what's big to look for? Andrew, I'll toss this one to you. Andrew Doukanaris: Yeah. Thanks, Leo.. I I guess, you know, come back to we're post COVID. We're still shopping online. But I think Internet penetration is definitely something that's quite important. That's kind of helping us shop more online so we're able to do it whether it'...