PegaWorld iNspire 2024: Don Schuerman keynote - The Future of Real-time Optimization

I'm Don. My pronouns are he, him, and as executive sponsor of our awesome Pride@Pega Employee Resource Group, I just want to take a moment and wish a Happy Pride Month to all the members and allies of the LGBTQIA2S+ community and their allies. This month is a great reminder that inclusivity and innovation go hand in hand, and we have heard some pretty amazing stories of innovation over the past day. As CTO, which I often say means Chief Translation Officer, I get to close out day 2 of our keynotes, and I want to start that with a question that I think all of us have been asking in one way or another over the past year. And that question is: What does the AI future look like? That's really a ponder and awe kind of question, isn't it? Let's all try that for a moment. Can we all just for a second ponder and then on the count of three, I want us all just to ahh. Ready?

Ahhh It's an impressive question. Spoiler alert. I don't think I actually know the answer. In fact, sometimes when we try to answer this question, we look a little silly, right? It's like those pictures from the World's Fair from the 1930s and 40s or if you go to a theme park right where they have the sort of tomorrow area set up, or I don't know if anybody read the the recent coverage in the New York Times, but evidently our future is not wearing an AI pin around everywhere we go. There's a great quote from Richard Corliss, who was a movie reviewer for Time magazine, and he said that nothing ages so quickly as yesterday's vision of the future. That doesn't mean that it's a pointless question. It just means that maybe we need to change how we think about the answer. I've talked to many of you over the past year, and one of the things I constantly find myself saying is I don't necessarily know what goes into our roadmap beyond the curve that happens at about six months.

We know AI will be transformational. We know the journey will be exciting. We know there are going to be triumphs and challenges and troughs of disillusionment. But exactly where all this is going? Let's just say we're all going to need to Build for Change a lot over the next couple of years. And I like to think Build for Change is something that we know a little bit about. And the whole reason we landed on this is because I think we all know that in many ways, the only constant, the only thing we can depend on is change. So how do you innovate into a future that you can't entirely predict? Well, like many things in my life, I learned the lesson either from my parents, my wife, or doing improv comedy.

And seriously. And one of the things that we learned doing improv was that if you put a bunch of people on stage and you're improvising a scene, you're trying to create a story, find humor, and one person gets in their mind a really fixed idea of like where you want the scene to go and tries to push and force everybody to that fixed point, it doesn't work. It's not a good story. It's not funny. And you end up upsetting everybody else you're on stage with. So we learned to improvise while looking backwards, listening really intently to everything that happened on stage, everything that was said, understanding the gems, the nuggets, the core that we had already set up, and making bold choices, sometimes really game changing choices based on that listening and that understanding. It's almost like taking the Next Best Action, as we would say. You're building innovation by building on your successes, building on your core. And I think that is really key to the innovation mindset.

We've heard, I think, incredible stories about this, from incredible brands who all bring their unique history, their secret sauce to their customers. Yesterday's presentation from the VA talking about modernizing stacks and stacks of paper into digital, easy, seamless experiences, but all built on that very real core mission of taking care of the people who have dedicated their lives to our country. Or if you popped over into the breakouts, you could have heard from the COE at Starbucks Coffee, who is using automation and really strong architectural thinking to scale that automation across an enterprise, all to help deliver us the coffee that at least I needed in order to be here on this stage this morning. Later today you can go to a breakout and you can hear from Lloyds Bank, a customer that I've been privileged to work pretty closely with over the last year, who is transforming how they think about service, leveraging amazing cloud technology, but doing it all with a mindset and experience of a bank who has been in business for over 300 years. And that's just some of the hundreds of stories you hear on this stage and in the breakouts and in the hallways. I believe that the AI future lies in the things that already make us great! Our heritage as brands, our values, our creativity as people, and the power of AI to amplify those things in ways and speeds that we never thought possible. So what about Pega? What is it that makes Pega great?

I think at the core is the model-driven approach that we take to our architecture. We were low code before low code was a thing, right? We've always used business concepts and visual approaches to design your AI decisions and the workflows that you want to automate, and we've built that into a platform that is designed for enterprise needs and enterprise scale. Center-out, so that it connects across your channels and across your systems, layered in that Layer Cake architecture, so that you can reuse while specializing into the different lines of business and regions in which you operate. And that architecture has allowed us to embed AI into the core of what we do, not tack it on at the outside, but embedded across the architecture, whether that's the AI decisioning that Alan talked about, like we've done with Customer Decision Hub. You just heard an amazing story from Jess. Voice and Messaging AI to improve and amplify customer service experiences, Process AI to find issues and optimize your processes, Process Mining to give you the insights that you can make your processes continuously better. But we've now added to that with Generative AI features, some that deliver incredible productivity. I was just inspired by watching that Socrates demo, that totally shifts the way we think about learning stuff, right?

Or Knowledge Buddy, which puts information from your enterprise content right at the fingertips of your employees in ways never before. Or Coach, which brings AI guidance directly into the workflows that you are doing, but also to apply AI in pretty transformational ways. I was really excited to hear from Daniel about the work that Deutsche Telekom is doing with Blueprint, and the way that they're using it to accelerate the transformation that they want to go on. The wonderful thing, frankly, about this journey from my perspective, is we haven't been on it alone. We have had amazing partners and amazing clients to go on that journey with. In fact, one of them that I'd like you to hear from in just a second is Elevance Health. We had a chance to talk with Naga Vellala, who runs the CoE there, about some of the innovations that they are driving with AI. So let's take a listen. How does AI transformation happen at enterprise scale?

I recently traveled to Atlanta, Georgia, and met with Naga Vellala to understand how Elevance Health's early adoption of Pega GenAI is driving business-transforming value. In my view, innovation is everywhere within Elevance health. Our mission is to improve the health of humanity through exceptional services, simplified experiences and making healthcare easy for the customers. And what does your organization do to help support that mission? We are the frontline engineering team supporting almost 35,000 agents. My job is to make sure that I create exceptional experiences through my platforms, enable our agents to be able to communicate in an empathetic way with our customers. And to that note, we're always looking for, the technology that can help us solve some of these problems. Imagine if you're calling into your insurance and the agent is asking you to stay on hold because she's figuring out how to navigate through the system. Is it a good experience for you as a member?

It is not. And that's where Pega comes in. It helps navigate through these complex workflows at ease. I think when Voice AI was introduced, I was like a kid, with a lot of curiosity, trying to see what it can do. So how is Voice AI helping your agents to provide a better experience for your members? Their hands are not tied. Going through the workflows, going through swivels, going through scrolls. All they're doing is just looking at the system to see if Voice AI is transcribing the call, pre-populating the right information and everything looks good. Boom.

You just have to talk to the members. The feedback was phenomenal. How has Pega helped you not just adapt to change, but lead it? In order to lead the change, you first have to adapt. We want to collectively build the product that works for Elevance Health. We do not want to just take what is available and then stitch the experience. And that's where Pega comes in. We are at the table, in defining the product roadmap, really communicating what our concerns are and how we can make this better. Partnership is a key aspect to it.

You need to have good partners. So for us trust is everything. And trust comes from doing the same thing again and again in a consistent way. And we've had this partnership with Pega for over 15 years. That's where our COE comes into picture, where we are constantly talking to your guys, understanding what's in your roadmap. We really value your opinion to see what is it they can build from a Pega product standpoint that can really help customers like Elevance Health? And what advice would you give to other executives who are thinking about adopting GenAI? I think it's important for everyone to really understand the capabilities that Generative AI is offering. If you understand the capabilities, you can connect to a business problem with that capability.

You can start small, scale it as you see the need. Once it works, it really moves the needle in the right direction. I really enjoyed our discussion. I look forward to our collective innovative journey in the future. So thank you to Naga and Elevance. It's amazing to see those results. I love how Elevance and Deutsche Telekom and other clients have really acted like lighthouses for us as we've brought in new technology: Voice AI, Knowledge Buddy, Blueprint really working hand in hand to make sure that we're truly delivering the value that I think we all know this can offer. It's almost like we're following a recipe, right? Last year we talked about the recipe for the autonomous enterprise, how you need the ingredients and the architecture to come together to deliver on that promise of continuous optimization and automating everything.

You need things like process orchestration and AI decisioning and workflow automation and case management and data access and great user experience and APIs. But that was last year's conversation. This year, I promised that we would talk about the AI future. And while I know I said that, that's a hard question to answer. I do want to show you something that we've been working on. So I had them bring Kerim's kiosk up here. Now, I've got to be really careful with this, because Kerim loves this kiosk, and if anything would happen to this kiosk, I would be in big trouble. But I just wanted to show you there's a hidden feature. A little Easter egg that the product team put into the kiosk that you might not have noticed.

So if we come over here and it might be hard to see this. I don't know if you noticed this, but there's a button on the kiosk that says Go to the AI future. So this is a feature that we've put in that you just press the button and it just takes you to the AI future. Isn't that pretty awesome? Right? So should we click the button now? Now, Kerim told me I probably shouldn't do this because it isn't completely tested, but what the heck. We're all friends. Let's click the button.

I'm gonna go ahead and click the button. We got this going okay. So this is something our product teams put up there just to warn you to make sure that you know what you're doing. Don't worry, we're safe. We're just going to click it again. You just kind of keep clicking it and it gets through here. So again they put in multiple layers of security. This is called a multi-layered security model. So we're just going to click through here.

Again a final step, a final verification just to make sure everything works. We're just going to click it one more time and... Oh, that's not good. That's not good. I got the spinning beach ball of death. That's never good. Look, if you guys don't mind just real quick. I think I broke this, and I'd like to fix it before Kerim catches on. So if you don't mind, I'm just going to reach up and get my phone out and just talk to my insurance company.

I use U+ Insurance, which is the fictional insurance company that all people doing keynotes use. So let me just pull that up and I'm just going to report a claim real quick. Let me click in here real quick. I'll just get this started. "Welcome back Don. I hope you are enjoying Las Vegas." A little bit, but I broke Kerim's kiosk and I think he may kill me. "Unfortunately, that makes you ineligible for life insurance at this time. But did you know your active policy covers kiosk-related disasters? Would you like to file a claim?" Yes.

"We can get started on a claim now. Was the kiosk damage an act of God?" What does an act of God mean? "An act of God is an act of nature that could not have been predicted nor prevented, and for which no human is to blame." Um. Then no. I think there was a human to blame. It was an act of Don. "I understand, please take a picture of the serial number on the back of the kiosk." Just let me get the serial number back here. I just kind of pull my camera out and get the photo and click that. Awesome.

Click OK. "Thanks. Is this a kiosk model Blueprint 2400?" Let me check. Yes. "Excellent. Just making sure. There are three certified Blueprint 2400 repair technicians within 25 miles of the Las Vegas area. Do you have a preference?" Hey, look at that. It's Waseem.

Waseem actually works for Pega IT. He's like the mastermind that makes all the networking for this whole event work. So I'm going to take Waseem. All right. "Stupendous selection. We will reach out promptly with details about your claim fulfillment progress. Your claim ID is CLM43125. Do you have any other questions?" Uh, no. "Beautiful.

By the way, we are offering an incentive for certain policyholders to enroll in the Kiosk Guard kiosk protection plan for an upcharge of only $4.99 per month. This provides extra coverage for all your kiosk-related activities. Interested?" Um, sure. That sounds like a really good idea. "Wonderful. We will forward additional details to you regarding Kiosk Guard. Have a lovely and damage-free day." Bye bye. All right. Thanks.

Sorry about that. That was, I think U+ may be using generative voice in a way that maybe none of us are quite comfortable putting in front of our actual customers yet, but what I'm more interested is some of the cool stuff that was happening behind the scenes to make that experience possible. And so to talk a little bit about that, I'd like to invite a Pega expert and someone who I have had the pleasure of working with for over a decade, Anu Shah, to the stage. Hi Don did you break more stuff again? I may have broken something. We don't need to lean into the again part of it, Anu. But I had a really good self-service experience. I entered a claim. It was really, really easy.

I think we're going to get this fixed before Kerim notices, but can you help explain sort of what we just saw? Sure. The U+ Insurance bot may have been at the cutting edge of voice technology. But what really made the experience just so powerful is that the bot was leveraging what's available in Pega today to create this amazing experience, and it's an experience that seemed pretty simple, didn't it? Yeah. But there was actually a lot that it took to make all of this happen. So give me an example. Like what? First there we go.

The bot was leveraging generative AI to look through all of your policy documents. And it was able to understand that you were covered for kiosk damage, which is an oddball. Right? Like people wouldn't be covered for kiosk damage. I don't think it's that odd to have kiosk damage specifically written into your umbrella policy Anu. I think lots of people have to do that. I think it's really unusual. TomAYto toMAto Anu. So they use GenAI to sort of search through that documentation, understand it.

How else did they use GenAI to go through some of U+ content? They also leveraged Generative AI when it needed help to define an act of God. Right? There's a lot of documents it had to search through to find that answer, but it didn't just give you an answer, Don. It did so with some transparency helping link to the document that defined this. So it didn't actually pull a definition of act of God from some random place on the internet, right? It got it from U+ documentation and then showed me where it came came from. Exactly. So how is the bot sort of managing or orchestrating this whole process?

Well, notice the bot created a case for you and it gave you a case ID, and this is the case that will guide you through the entire process of filing your claim through to resolving your claim. So what kind of things did the case do or call out to? Well, the case also leveraged an external large language model to do some image identification, and it helped you identify the type of kiosk you broke. And that saved you some time. It was kind of pretty slick. What about that that Kiosk Guard recommendation at the end? That's really the statistical AI that Alan talked about in Pega Customer Decision Hub. It was making real-time calculations because it knows who you are, the channel you're on, the words you are using and what others like you have done before. Others like me.

Others like me who have kiosk insurance. So maybe it's not that unusual. It's not unusual to need kiosk insurance. I would not think there are others like you, but it seems like there are. I think there are. Yeah, yeah, yeah. It made a recommendation. All right. So it's great that it pulled all this stuff together.

But the thing for me is I've got to get this process fast because, Kerim basically is always on his phone during my keynote, so he never pays attention. But eventually he's going to look up from what he is doing, and he's going to notice that his favorite kiosk is broken and I'm going to be in really big trouble. And there he is on his phone. Okay. All right. So, how do we get this process fast? All right. So to get a process faster, let's go switch over to see how a claims adjuster would help you handle your claim. All right.

This is the Pega Constellation desktop for caseworker. So U+ must be running the latest and greatest version of Pega on Pega Cloud. They got really powerful, great user experience. Well, what are we seeing here, Anu? Let's look at this desktop and we can see how it will help our claims adjuster handling this claim be faster and more productive using a combination of automation and artificial intelligence. Right at the center of that is the case to get it all done. Right. And the case representing the claims workflow itself. I don't know if you noticed, but it's the same case that was created by the bot.

So the case was created in the mobile channel and it seamlessly rendered and accessed in our back office. And this is really the power of our Center-out architecture. Having a case created in one channel and seamlessly accessed and rendered in another channel. So this is what Alan was talking about yesterday, where he said, you build this around the work, build it around the case, not around the screens or the channels of the people. So you get that consistent experience across. That's right. And when I think of a case, I think of it as a unit of work used to achieve a particular outcome, and it has all of the details of your claim. It has the information about you, it has information about your prior claims, the damage and your policy. And it really represents the life cycle of the claim.

And this is what's at the heart of Pega, the decisions and the workflows that define an organization's business. All right. I love that the claim is at the heart of Pega. But we got to get that heart beating a little faster because eventually Kerim is going to run out of TikTok videos to scroll through, and he's going to notice that his kiosk is broken. So how do we accelerate this process? Just get it done. All right, that's a great question. And this is where we're going to use generative AI again to combine the context of our case with U+ Insurance's best practices to... You clicked ahead.

Yeah sorry. With U+ Insurance's best practices to provide contextual guidance for our claims adjuster. All right. That's really cool. But what do we mean by contextual? The generative AI Coach here can leverage all of the context information and the data in the claim, and this Coach can help identify potential blockers for getting our work done. And it can even recommend next steps based on some analysis it's done and coming later this year. I'm really excited that the Coach will even be able to take actions on the adjuster's behalf. And all of this is based on U+ Insurance's best practices.

So that's really powerful. You can see the Coach, all the stuff. How how does this actually get configured? Well, this is all about transparency. And if we go into the configuration. There it comes. We can see exactly how the Coach was configured. First we have the system instructions we provided our Coach. And I really think of this as the Coach's personality, the role it's playing, the persona it's taken on, the context and the guidance.

It's really providing us best practices tied to key outcomes in claims processing for U+ Insurance. And then we also have the data. And I really think of this as the Coach's intelligence. And these are the sources of data available to our Coach. And we can see here we have some documents, we have your policies, we have the collaboration and the Pulse posts, also your claims history. And then lastly we have the prompt for the Coach. And this is the current thing we're asking our Coach. And we're asking it to summarize your particular claim, the damage from today. We're saying, recommend some next steps and do some analysis.

And we're asking it to summarize your claims history. Yeah, my claims history. We don't really need to spend much time looking at my claims history. There's a lot of stuff here a man has done. You've broken a lot of kiosks and there's airport kiosks, DJ kiosks, hotel kiosks. Yeah, a couple of ATMs and slot machines. We don't need to go into this. So what else is the Coach kind of telling us that might be going on? It's actually telling us that there's a problem and it's found a problem here.

Whoa whoa whoa whoa. A problem? What do you mean, a problem? Well, this is where Process AI is helping us predict that there is a decision. It's predicted that for this particular claim, we're not going to get your claim serviced on time. And what's happening is, this is the statistical AI or the decisioning AI that we talked about earlier, and it's really focused on our particular claim. And Process AI is really looking at all of the prior claims that U+ insurance has processed to predict what might happen with your claim, and it's predicting that it's not going to get it done in time. Well, it's saying here that you may not be a fraudulent person. I'm not.

There's no fraud here. There's very low risk of fraud, but there's really high risk that we're just not going to keep our promise we made to you and service you in time. Wait. But but if we don't service me in time, then Kerim eventually is going to notice that this kiosk is broken. So is there something we could do to kind of accelerate this, move this along? I think we should ask our Coach what we can do and if there's a fix. All right. So it explained why that's happened. So it looks like I have some excessive claims and a senior claims approver queue is backlogged.

But it's suggesting some stuff for me to do. Right. It's saying you had so many other claims. And we have this additional data that the queue has backlogged if we approved it, but it is suggesting we enroll you in a kiosk safety class, which I've never actually heard of before, but it's saying that this one exists. I've taken lots of kiosk safety classes. H.R. sends me to one like once a quarter. Never heard of it before. It's just special things that people have to do sometimes.

Coach is really smart. Yeah. Look, if it's going to get my claim fixed, I'm more than happy to enroll in that kiosk safety class. So let's click Enroll in safety class and get you processed on time. So the Coach can actually kick that off for us. So once I get that all done the Coach enrolls me in the safety class. What needs to happen next? Well, we just need to simply approve the claim as an insurance adjuster. And we should have a repair technician out here soon to help you fix.

We get with the insurance adjuster. They get the claim approved, they finish the approval process. Uh Waseem, buddy, I'm so excited to see you. Everybody, Waseem. He does all of our IT. All right, Waseem. Can you take a look at the kiosk here and see if you can figure out what might be going wrong? Oh my gosh. It is such a relief.

This is very technical stuff that we have to... Oh, thanks. Thanks for saving. It was control-alt-delete, everybody. You just needed to control-alt-delete the kiosk. Oh that's awesome. So Anu. That was really great. We got my claim processed fast.

We identified a problem, but then we fixed it, and we optimized the process in real time. How did AI all come together to make this happen? It actually did really take a lot to make all of this happen. We had a lot to consider. We had to consider our enterprise knowledge within the organization, the history of the customer. We had to consider the real-time context and what was happening. We had to consider U+ Insurance's best practices within their organization, and we had to think about the next best action or offer we should make your customer. We had to consider the predictions and what we know about all the work that has flown through our system before, and maybe predict what we should do right now. And this all has to work across channels and to be tied to outcomes.

It really needs to be outcome-driven. And you can't have all that stuff as sort of separate silos, different little GenAI silos, or else you're just going to create new sets of disconnected experiences for everybody. That's right. And it's really through the power of Pega Center-out architecture that we can pull this entire experience together, centered on the decisions powered by artificial intelligence, the workflows we guide users and systems through, and the cases tied to outcomes. And this entire experience was enabled by some pretty cool AI. We had a generative AI Knowledge Buddy that looked through the policy documentation to determine you're covered for kiosks. The Generative AI Knowledge Buddy also helped you understand what an act of God is. Then we had an expert generative AI Coach guiding the adjuster through the entire process to deliver the best experience possible for you Don, our customer. We had decisioning AI at work in the form of Customer Decision Hub making that Kiosk Guard recommendation.

And then we also had decisioning AI in the form of Process AI telling us you're likely not fraudulent, but we are likely to breach our service level to you. And all of this will work together to deliver a seamless experience and a consistent experience across channels and tied to outcome. And it was all capable and available through a coherent, seamless platform, the Pega Platform. And all stuff that's available in Pega Platform in 24.1, and really delivers on that promise of the autonomous enterprise, AI and automation coming together, optimizations continually happening so the experience gets better and better. So a final question for you Anu. How did U+ build this? We blueprinted it of course. Of course you Blueprint the claims process. That's a great way to get started.

Thank you so much. Thank you Don. So a huge thanks to Anu, a huge kudos to our product and consulting team who helped out all to come together. And while I'm at it, a huge thank you to everyone who makes PegaWorld possible. Our sponsors, the speakers on this stage, in the breakouts and the Innovation Hub, in the hallways, the staff, everyone from production to catering to security to cleaning, who keep this whole thing running. The hundreds of Pega people who work passionately all year to make these three days amazing. And of course, all of you, because this event is really a celebration of this community of innovators. And we're not done yet. You've still got one day more.

As my daughter, a massive Les Mis fan would say, you've got one day more to check out the Innovation Hub, go into breakouts, spend time with our partners, network, talk about pragmatic ways to apply transformational tech. The future is not going to show up because we click a button on a kiosk someplace. The future's not going to take the form of an AI pin. It's not going to be some futuristic car at a World's Fair. The future is going to happen because we drive continuous real-time optimization into our business, because we find pragmatic ways to apply this AI technology that leads to step changes in how we innovate and how productive we are, in the experiences that we give to our customer, and applying that change continuously so that we create a transformational snowball that just rolls downhill. Our job is to give you the platform to do that. We want to work together to change the very way that we think about change. Because in an autonomous enterprise, processes, decisions, workflows, they're living, breathing things. They connect to your customers and your employees, and they learn and they get better and they evolve.

And as a community, we're just starting to scratch the surface of what we can do. So I call to all of you to make the next 12 months about more. I want us to do more. There are so many productivity enhancements available right now with generative AI. Knowledge Buddy deploys on Pega Cloud in hours and connects to any Pega environment, any version, even non Pega environments. Imagine the productivity increase if you can get your employees immediate access to your enterprise information in a secure, transparent and trustable way. If you can get to Infinity 24.1, you can turn on a Coach for all your workflows so that you're getting that automatic guidance, helping your users be more and more efficient. Take a cue from Elevance and look at Voice AI, or Messaging AI to drive more productivity, or Process AI to discover places where your processes can be better. Next, I want us to build more.

Last year I asked about App Studio and who was using it, and I hope more and more of you have embraced it. I hope you have gotten to the Innovation Hub and seen our amazing Constellation user experience and the speed, but also incredibly facile user experiences that delivers. At the end of last year, we did a study with our friends from Capgemini and they determined that building in Pega was 7.8 times faster than building in Java code, 7.8 times faster. And that is without Blueprint. That is, without all of the enhancements we just put into 24.1. And of course, the best way to take advantage of all of that is on Pega Cloud. So really consider how you can get your estates onto Pega Cloud. And I know that we are rolling out innovation at a pace that I've never seen. I have a hard time keeping up with all the product stuff that's coming out, and that's why tools like Socrates are going to become so important.

So all of us can not only learn what's coming out, but we can actually build an understanding of it so that we can apply it, so that we can all do the final thing that I want us to do, which is envision more. Show of hands. How many have done a Blueprint before yesterday? Keep that up. You know where it's going. Show of other hands. How many went into the Innovation Hub and built a Blueprint yesterday? All right. Now you know everybody.

Now raise the roof if you are going to take your blueprint back to your organization and actually implement it. Because imagine if every one of us took just one Blueprint back to our organization. A couple of workflows. And imagine those couple of workflows just got the average productivity enhancements that Pega workflows tend to deliver. Just this group with one Blueprint each could unlock billions of dollars of value for our organizations. That's the opportunity we have at our fingertips. We created over a thousand blueprints yesterday. I want us to create a thousand more today and every day after PegaWorld, because every single one of those is an experience that we get to improve its value, that we get to unlock, it is a step towards meaningful transformation. And I want you to go experience that.

I want you to bring that excitement back home to your peers, and I want you to come back here next year and tell those stories at PegaWorld 2025. Thank you. Have a great day. Enjoy the breakouts. Enjoy the innovation hub.