>> Narrator: From the Cosmopolitan Hotel in Las Vegas, Nevada, it's theCUBE, covering Coupa Inspire 2019. Brought to you by Coupa. >> Welcome to theCUBE! Lisa Martin at Coupa Inspire on the ground in Las Vegas, and I'm super super super excited to welcome Suze Orman to theCUBE! Suze, host of the Women and Money podcast. >> Suze: How much money have you lost? >> Lisa: Oprah's friends. Oh, I don't gamble. >> Oh yeah, girlfriend! >> Lisa: No way! >> Suze: I know. >> I do spend too much money on Starbucks every day and I felt I needed to confess that to you. >> Oh God! >> But I know-- >> Really? >> A million dollars in forty years, I'm going to curb my habits, Suze. >> All right, there we go, all right! >> Confessing it to you on camera. >> You have been forgiven (laughs). >> Oh thank you! So love listening to your podcast, watched your show on CNBC for a long time, Women and Money, is something that, obviously as a woman in technology, is really imperative to me and something that really captures my attention, because the pay gap is so obvious, has been for so long, but one of the things that always think when I hear you give advice, whether you're at a tech conference like we are now, or anywhere else, is so much of it is common sense that as humans, we just don't want to hear because it's easy to ignore it. >> It's, here's the thing, is that women in particular have so much on their plate, most of them have their parents they're taking care of, their husband or their spouse, their children, and they're bringing in an income. So they don't have a second to breathe. They can't, like (imitating garbled chaotic noise) all the way around. And the truth is, their husbands don't know anything more about money than they do. Men are financial fakers, I've always said that. So women are really, they want to know more, but they're really overloaded right now. So you got to give it to them in a way that they can digest it when they can. >> One of the things, being in software and tech now for 14 years, you know, when you're in a room, whatever meeting you're in, you think, "I didn't understand that." But you think, "I don't want to be the one to ask a stupid question," so you don't ask, and it's sort of the same thing in the financial situation. Somebody might be explaining something to you, and it's happened to me recently, and I'm like, "I don't understand it." But then I default, "Well, they're the expert." >> Suze: No. >> Lisa: And you're saying, >> "No, trust your guts." >> No, you have got to trust yourself more than you trust others. You know when I was seeing clients, you know what I used to do? First of all, it was mandatory that if you were married, you came in with your spouse. Now it was normally, back then, a male and a female, okay? Now, I'm like, greatest thing is it's a woman and a woman or a man and a man, but that's another thing. And the woman would go to the bathroom, because our meetings were long, and while she was at the bathroom, I would say the most complicated strategy to her husband that made no sense on any level. And I would say, "Do you understand this?" "I do." I go, "So you know, if you do this and then this, this will be the result?" "Got it." "Okay." His wife would come back and sit down, and I would then say to him, "All right, explain to your wife what I just explained to you." And he couldn't do it. So then the conversation was, "Why did you pretend to understand something that there was nothing to understand about?" What is that? So you really have to say, "I don't get it." And here's the thing: money is so easy. Money is not complicated. It really is not. Wall Street wants you to think it's complicated, so that you go ahead and hire a financial advisor, a bank-- You can do this. You can do this. But everybody is so afraid of it, they're they just, you know, and they don't want to deal with it because they're so afraid. >> Or even if we do take that step and start working with a financial planner, there's that, I call it 'conscious incompetence'. "They know what they're doing." >> Suze: They don't. >> "I'm going to let them handle it." >> Suze: They don't, they don't, they don't. I would not work with a financial advisor that wasn't at least 15 years into it. >> Lisa: Fifteen? Okay! >> Fifteen, because the past ten years the market's gone straight up. You could have been a monkey and made money in the stock market the past ten years. You want somebody who went through the recession, who's been through it all. And they've seen the ups, they've the downs, and now they can keep their calm. Don't give me a ten year track record. Give me a twenty year track record. Give me a 15 year. Start with the year that the markets crashed, and how did you do? So if you don't have an advisor that has been through all of that, danger! Number two, if they talk to you about an insurance product, universal life, whole life, variable life insurance, I'm here to tell you, that is-- don't ever ever mix insurance and investments. You want to buy life insurance policy, fine. Buy a term life insurance policy. Do not buy an insurance policy that's also an investment. Crazy out there! Crazy! >> I just heard your podcast on Women and Money, just the other day about mistakes to avoid, so of course I listened to it. I was shocked. You were saying nurses and teachers are too-- >> Suze: Are targeted. >> Lisa: Yes. >> Suze: Nurses. >> And there was this one woman who invested, I think it was like, seventy-five bucks a month, for-- >> Twenty years. >> And only made $4000! >> Yeah, and it's, I had one yesterday that wrote in, that has been doing $200 a month for twenty years, and they have no money. They have like, it's-- Anyway, just, here's the thing. If you don't know what to do, let me tell you what not to do. Do not buy a whole life, universal, or variable life insurance policy. Do not buy a variable annuity within a retirement account. Do not buy loaded mutual funds that have a letter A or B on it. Just those few things alone, great. >> So, getting back to women and money, women and technology, you know, like I mentioned a minute ago, the pay gap. We all know it. How do we, how do women, how do you advise us to to find that inner voice, to find that power to ask for the better job, the promotion, the better opportunities. How do we find that? >> You have to make those that you are dependent on a paycheck for dependent upon you. When I started the Suze Orman Show at CNBC, all right, so 2001, they offered me, it was like, "I'm not doing this show and signing for five years for whatever this little amount of money is." And since I didn't need money, it was like, "I'll do it for free." I did that show the very first year, and I did not make one penny. >> Lisa: Really? >> In one year, it became the number one show on CNBC of all CNBC-produced shows. Now, CNBC needed me. Now, CNBC paid me what I wanted. Not what I needed, what I wanted. And I got what I wanted because I came from a place of power. So women, we have to put ourselves in a position where you're powerful with your own money. And when you're powerful, and you don't need that pay raise, you don't need that job promotion, you want it, but you don't need it, you'll get it because they need you. So when you make somebody dependent upon you, you become valuable to them. And if they don't value you, then get out of there. >> That's great advice, because oftentimes people will think, "Well they can just replace me." Or we think, >> Suze: So then let them. >> "I'm not replaceable." So then, okay >> Suze: Then let them. >> What if that happens? What do I do? >> You have to be always prepared that that can happen. Because that can happen if there's a downsizing, if there's a downturn in the economy. That's why I always say, an eight month emergency fund, don't have any debt, put yourself in a situation that if anything were to happen, you get sick, you're in a car accident, and you can't work, that it's okay. It's okay! When you come from that place, then magic starts to happen. When you come from a place of, "Oh please, when was my paycheck? Is it in another two days? I need it. It's another two days!" So that-- Keep a car forever. You know, I have a car that's now going on eight years old. I keep my cars 10 to 13 years. I don't get a new car just because I can! I don't, what is that about? It's so, live below your means but within your needs. Only purchase needs, not wants, and get as much save pleasure out of saving as you do spending. Those three things alone will absolutely change your life. >> So, we're at a tech conference. Let's talk about tech and how do we, we're bombarded with ads all the time, we're on Instagram, and there's, "Oh, there's that cute dress I wanted." Click! And I don't have any accountability for it because all I did was tap something. I didn't see that transaction going to my bank account. How do you see technology, how do we utilize it for actually getting better control over our own financial freedom and not letting it-- >> I never ever, because I'm on the internet all the time. If an ad comes in, I immediately turn it off. I never click on an ad that has come to me. I only purchase things, and I can purchase anything I want, but I only purchase things that I go after and I look at it. Then I put it in the cart. And I don't buy it. >> Lisa: You think about it. >> And I think about, did I really want it, was it an impulse? Whatever. But you know what I found out, when I put it in the cart, a day later, I get something from them with a discount code. So if I just waited, I'm going to get it for cheaper. And so, I always thought because it's so easy, put it in your cart, and just wait a day or two before you push, yet you won't even remember it's there. >> Right, well it's a little bit of self-control. I think that's just that opening up to, and Oprah's other friend, I know you're friends with Oprah, Brene Brown taught me vulnerability is awesome! It's not weakness! It's the courage to say to your financial planner, "I don't get this." Or, to your point, if this person doesn't have fifteen years experience, and they haven't been through the tumults of the economy, "I'm sorry, I'm sure you're a great person. I need to go somewhere else because this is my money for the rest of my life!" >> You know there's a law that I live by, which is, "It's better to do nothing than something you do not understand." Now I apply it to other things in life, like I'm really into being a boat captain and fishing, but I don't go places in my boat that I don't understand how the waters work, where the ledges are. I don't venture out because I don't want to get in trouble. So it's better to do nothing than something you do not understand, and just do something else that you understand. >> And again, one of the things I love about your advice, Suze, is it's so simple. But I think as a society, we're so governed by technology. It's our alarm clock in the morning, the first thing we do is check email or Instagram, or something on .com, we're listening to podcasts. It's so easy to have a shoppable moment anywhere. Yes, it's probably just as easy-- >> And it's going to be a whole lot easier as time and artificial intelligence and everything takes over, it's going to be really easy. So the question is, "Do you want to have things, or do you want to have money? What do you want?" >> Yeah, because you say, what is it? >> People first-- >> Both: People first, then money, then things. >> Lisa: Tell me about that. >> The reason that I did that, it's a long story as to how that came about, but when I said, "People first," I always meant women. Meant you. Do not put everybody else in front of you. Don't go buying gifts for all your friends and everybody when you have absolutely no money. Put yourself first for once. Next is money. You want more money in your bank account than things that you have in your closet. So make your priorities. Those are your priorities. Put yourself first, then your money, and then if you have those things together, then if you want to buy things, okay. >> I love it. "People first, then money, then things." So you've been doing this for so long, and before we went live I was asking you, "How do you not clunk people's heads together because sometimes it's like, 'What!'" But you're saying these are the same problems that persist over and over because people don't know. >> Well, two things. It shows you that money's not that complicated. That people still ask the same questions over and over again. There aren't all these little gadgets and these little widgets and these things. It's usually Roth 401(k), traditional 401(k)? Roth IRA, 401(k)? Credit card debt first or student loans? Saving, they're the same over and over again. And but each question, to that person, is the most important question in the world to that person. And that one person is important to me. Because if I can save or help one person change their life, that one person can go on and change this whole world. Never know who that one person's going to turn out and be. And so, I mean, if I think back on it, Fred Hasbrook, who is the man who gave me money when I worked at the >> Both: Buttercup Bakery! >> Lisa: Which isn't there anymore. >> And that one man who gave me $2000 with all these other people that took-- He, those actions, to me, created me. And I've changed millions of lives with people, with the information that I've given people. They actually changed their own life. But, so one action can change a whole world >> I love that. >> You never know who that person will be. >> Lisa: You don't. You never know. Well Suze, when are we going to do our next show together? This has been so much fun! >> I don't know, we have to come back here! It seems I'm, have you, where are you out of? >> Palo Alto, California. >> Palo Alto, well we come back there. >> Lisa: All right! All right! >> Suze: We come back there. >> Well good, I'll say I'll look forward to our next show together, Suze. >> You got it, Lise. Thank you, sweetheart, bye bye. >> Been a pleasure, thank you. For Suze Orman, I am Lisa Martin. Thank you for watching theCUBE at Coupa Inspire 19! (upbeat techno music)

>> Narrator: Live from Las Vegas, it's theCUBE. Covering UiPath Forward Americas, 2019. Brought to you by UiPath. >> Welcome back everyone to theCUBE's live coverage of UiPath Forward here at the Bellagio in Las Vegas, Nevada. I'm your host, Rebecca Knight, co-hosting alongside of Dave Vellante. We're joined by Cathy Tornbohm, she is the distinguished VP Analyst at Gartner. Thank you so much for coming on theCUBE. >> Very welcome, nice to be here. >> And Guy Kirkwood, he is the Chief Evangelist at UiPath. Thank you so much. >> Thanks Rebecca. >> So, we're hearing so much of these mantras, these catchphrases of UiPath. "automation first", "a robot for every person", "we're re-booting work", these are the theme's that Guy was touting up on the main stage, Cathy. Beyond that, I'd like to hear from you a little bit about what you're seeing in the RPA space at the moment. What are the trends and the themes that you think are most salient? >> I think the most fascinating thing about RPA right now is that it's really highlighting the problems the organizations have. All their accidents of history are really being brought up by RPA. And then you've got these digital darlings that they're trying to compete with, the Greenfield site kind of people. And some of those don't have beautiful back offices, but let's not go there for a minute. So, it, RPA is an opportunity for companies to link their digital dreams with their existing legacy nightmares. >> And those legacy nightmares include all of the things that Guy was talking about today: the drudgery, the dreariness, those mundane tasks that take up so much of our time. >> Absolutely, and really, if you think about it, in organizations, typically less than 15% of the applications that they're using have got some sort of application programming interface. So if you don't have a way of linking them, you end up with this long turn of applications that aren't linked together, with people literally being swivel-chair integration between the applications. >> Well, why can't you just string a bunch of API's together and automate that way? >> Well, in fact, there's a guy called Ian Barkin who works for Symphony, one of their organizations, it was set up to create automations for organizations. So one of the services businesses since been acquired by Sykes. And he describes it as process sediment, and it builds up in businesses in the same way that sedimentary rock builds up over millions of years. And digging through that, so that you can actually become more efficient is very difficult to do. So doing it on API level means you got to join up all those things individually. Whereas, using RPA, if system 'A' has a user interface, and system 'B' has a user interface, you can just use RPA. >> So, Cathy, you've been following process automation as a category for a number of years. Why RPA, why is it so hot, and why now? We've heard that it's the number one software category... >> Cathy: Fastest growing, yeah. Fastest growing, from Gartner. We've seen spending data that confirms that. Why now? (sighing) >> It's the digital competition that companies are facing, and the recognition that they cannot continue to be quite as bad at some of the things that they are bad at. So it's really that business transformation story back again, business process re-engineering, the same story that we had with BPO like ten years ago, but now, with robots instead. >> Yeah, it's interesting, I was at a, we had a show last weekend, it was the CEO of Suze, Suze... How do ya say it? Anyway, Suze, she said to me, "Well, you know, digital transformation's really about business transformation." And you kind of said the same thing. I mean, thoughts on that? >> I mean, you look at the start of the outsourcing market, the BPA market, twenty years ago. The very first deals were actually IT outsourcing deals that then transformed the business using IT as the enabler. So the first deal that I got involved with ever, in the outsourcing market, was Perot Systems with a British and Asian company. And we were putting in business process re-engineering consultants who actually transformed the business using IT as the enabler for that. There is no difference now, in fact one of the, one of the partners here, one of our original customers, actually put together a plan where we did the implementation, you know, soup to nuts, so that we could find out how we fit in to that whole transformation piece. And our team put together a whole package on all the learnings that we got out of that. And I had to laugh, because they're exactly the same things that every transformation program has had for the last thirty years. >> You know, if you look at kind of the history of certain segments, and I wonder if, Cathy, if you see RPA as one of them, like if you could've figured out who was implementing ERP the best, you didn't know SAP was going to become the leader, but if you could've figured out who was adopting ERP, you could've made a lot of money in the stock market, 'cause those companies had a huge productivity boost. Kind of same thing with Big Data, nobody really made any money in Big Data, so-called 'Big Data', a dupe. But the guys who applied it probably did pretty well. Do you see RPA as similar where the practitioners are going to actually be the ones that add more value to the industry than the new, the newly minted billionaires? >> It's almost the opposite. So the more RPA a company needs, it means the worse they did at managing their ERP in the first place. >> So they're kind of a mess? >> Yeah, yes. That need to be cleaned up, yeah. >> Yes, if you've got a hundred and twenty four ERP's that don't talk to each other, and you want to close your books in any kind of reasonable time frame, you're going to be a massive adopter of RPA, which basically means the more rubbish you are and activity, the more opportunity there is to automate more of it. >> So, what are the metrics that matter when you talk to your clients? >> Well, what I try and encourage clients to do is to really focus on business outcomes. So, much as Guy probably doesn't want me to say this, I don't really care how many 'scripts', aka robots, you've built, or how many run times you've deployed. What I care about is the business impact that you've managed to achieve. So, whatever KPI's are important to you, so are you managing to collect more revenue? Are you managing to make your customers happier because you're managing to decrease average handle times? or increase right first time activities. So anything that you're doing that actually improves the good old business metrics, is just going to be fantastic. So those are the sort of metrics that, really, companies should be focusing on. Not how many scripts they've built, that's absolutely pointless. >> I mean, are they focusing on that? I mean, when you... >> Yeah, lots of people are. >> Yeah? >> Yeah. >> In terms of ROI, we hear from customers that it has had them more accurate, they're more efficient, they're cost saving on human hours of the mundane tasks. But, when you were up on the main stage talking about how we're rebooting work, we're changing this moment, is it sparking the creativity, the imagination, the time spent on strategy in the more higher-level things? Is that, I mean that seems like that's the goal of return on investment. >> It is, within those organizations that are the most mature. So, what we're seeing, is the bifurcation, really, of the market between those organizations that are just starting and scaling up what they can, internal senses of excellence. Those organizations that are using the partners behind us. Those organizations that are using external parties to help them develop that. So Delight, for instance, they are sort of a managed service business. And instead of using people, they're using automation. So, Delight, by accident, has a BPA business in Spain, but then they'll turn that into an automation-heavy business and then providing that managed service. And then, the smartest customers, including SNBC, who we heard from yesterday, are actually turning their back office cost operations into a front office of revenue generator. Now, that is radically different from what we've seen prior. >> So Cathy, I got to ask you, when I was on a plane out here, somebody texted me a picture of the latest hype cycle. And they said, they knew I was going to UiPath, they said, "RPA has entered the trough of disillusionment." I said, "Oh, awesome, Gartner's, Cathy's coming on, and I can ask her about that." Well, what's your take on that? >> I think as Guy says, some people have already sailed through the trough, they've already gone through the challenges, or some of the challenges, and they've already found these fantastic productive things. I mean, we're estimating that people will save close to a million dollars for a large company, and just not having to do re-work of getting it wrong first time with re-keying that data. So, where there's some fantastic savings available, that you know, some of the ones have gone through the trough and done that, a lot of the other ones, they kind of, they don't understand the limitations of RPA and all those other partner tools that they need to put with it. So, don't understand it, can't handle unstructured data by itself. It needs a sister tool, so, what Gartner's talking about right now is this concept of hyper automation where you look across all the different activities that you would need to, sort of replace a person. So the people that are heading into the trough as sort of this second wave of adopters that Guy talked about, that will really struggle because they didn't understand the limitations in the first place. >> Well then, you know the, sometimes, things like the Magic Quadrant, and the trough of disillusionment, they're somewhat misunderstood sometimes, people, you know they see 'em, Gartner's very clever with the way it works things, but, so how should we think about that hype cycle? It's actually, in a way it's progress, isn't it? For an industry where they start... Entering that trough. >> Its, what Gartner says, is all industries have to go through that type of growing pains. And I think that we're seeing that, UiPath's expanded massively, and that's always a challenge for companies as they grow very rapidly. And as companies try and, as they say, take these wrong metrics. So I think things like UiPath buying ProcessGold is fantastic, it's a really, really good move for them. And I expect to see a lot of other process mining companies acquired, brought in to the RPA fold, because, there's four reasons why companies are going to go into this disillusionment, right? These are the main challenges with companies trying to use RPA properly. One is, they don't know what the processes are. So ProcessGold will give you a really good indication, they don't know about the microscopic level, and they don't know about the macro level. So things like digital twins will be something else that we would expect to see very closely partnered with companies like UiPath. And they don't know how to orchestrate their resources. So, other companies, like Innate, that can help you figure out how to do that will become... So its kind of like we're sort of breaking down a lot of what happened in other software categories and re-building them all up, in the way that the business can actually adopt them, hence, the AI Fabric sort of idea. So they don't know the processes, politics, people will lie to you about what they do all day, so they can sabotage your process, and there's a lot of silos within organizations that hate each other and throw things over the wall. So that all needs streamlining, and the more you can do across silos, the more successful any automation project would be. Then you've got, when you take a person out of a process, you take their eyes, their ears, the mouth, the nose. How are you going to replace that when you're trying to take them out, because you've got the keyboard fingers thing with the RPA tool? You need all these other activities replaced, replicated, supported. And then you've got the economics of production, so actually making sure that the scripts that you've built are actually worthwhile and are going to be cost-effective. It's something that we're studying at the moment. So you've got all these, all these different barriers, from all these different angles that are really going to push this thing into the trough for a little bit. And that's why it's great that RPA companies are looking at ways to mitigate that for their customers. >> Now, remember we said, as the understandings. So RPA is really good at dealing with structured data. Rule-spaced activities, deterministic things. That's why in regulatory, highly regulated environments, it's very effective, and the regulators love this sort of stuff. Because it's deterministic. When you look at AI, then we look at it in four ways. So you've got process understanding, which is the ProcessGold acquisition, you look at conversational understanding, 'cause ultimately robots are going to be controlled by voice. So you have to understand, the system has to understand that, let's say you're sitting in a bank, and the robot doesn't understand something, you say, "Okay, robot, stick that in the Well's account." It has to understand that Well's, in this case, means Well's Fargo. It does not mean a hole in the ground, water at the bottom, or a town in Somerset, in the UK, 'cause they're well's. So getting those ontologies correct is so important. So, that's conversational understanding. Document understanding. Because, as Cathy said, companies are still wading around in paper. So, understanding what those different documents are and how to action them is going to be really important. And finally, you're looking at visual understanding. So understanding and viewing things on the screen exactly the same way that humans do. So it's getting that combination right. >> So for RPA to live up to the hype, and there's a lot of hype, and it's a good thing, it's fun to track. It's got to go presumably beyond cleaning up the crime scene, if you will, to this new vision that you and Guy just laid out. What is the distance between, I dunno, sometimes I say 'paving the cow path', which gives you a nice hit, but as you say, it's 'cause companies... Ya know, they're messed up, to this vision of this, actually the guy from Pepsi today talked about it, this fabric of automation across the organization. How big of a gap is that? >> It's very different by every different company on the planet, really, in terms of their accidents of history, what their IT application landscape looks like, and what their business landscape looks like. And when you try and put the two things together, that's where you find the opportunities for any type of automation. >> Well come on, that's such an 'it depends' answer. (laughing) At the macro, will... In your expert opinion, will RPA live up to the hype? So many trends haven't, enterprise data warehousing, Big Data, Doob, all that stuff. You think RPA has the potential to crack through that. >> You mentioned a very good point. I think the most successful companies are the ones that actually will take the person that's managing the data and analytics of how their process is performing, and doing that with their automation strategy. And there are very few companies that've actually worked that out. They've still got totally two walls and they just meet up here at the CEO. So, unless companies actually take a more active business outcomes approach, and look at their end-to-end processes of order to cash and source to pay, these problems will carry on for some time. >> Well that's a great point, I mean, so it's data, it's machine intelligence, I guess Cloud for scale, you guys made a SAS announcement today, it's "automation first", to use your buzz word. >> Cathy: You need it all to come together. >> And it's really developing those best practices in your role as Chief Evangelist in helping understand what the most successful companies do, and then making sure that's implemented. >> Well that's why I spend more of my time listening than I do talking. Because the very nature of being a Chief Evangelist is the best job and the worst job title in the world. It's the best job because I spend my entire time talking to people like Cathy who know about what's happening within the market, and then feeding it back into our organization so we can make the right bets, so we can make the right acquisitions, but develop the right things. The bad thing about the job, is that I keep getting an inordinate number of people on LinkedIn saying, "So pleased that Jesus has entered your life." And I'm not that type of evangelist. (laughing) >> It's in the title. >> You know there's always this age-old debate in the industry of best of breed versus kind of a sweet approach. You see in SAP, for instance, acquired an RPA company, In Four talks about it. And then you get the specialist, UiPath. How do you see that shaking out, as the industry gets kind of more consolidated, how do you see a company like UiPath thriving, continuing to thrive? >> Gartner's going to predict coming in our new prediction series, but... Roughly 20 to 30% of enterprise adoption of AI, machine learning activities for process-based activities, will go through the RPA market. So, and with the IBPMS market, sort of combined together, that process management, because RPA has managed, cleverly, to capture the imagination of the business person. So, actually, there's a lot of IT departments that are talking to us about, how do we, how do we enshrine this activity, foreshadow IT, that's happening in the business, and make it successful, put governance plans in place so it will actually be successful in the way that it's actually now dealing with its own crime scene... (laughing) (mumbling) Its own rubbish, in a much better way. And I think that responsibility of business to understand how it can automate things and how it can manage things will really help a lot. So, I think the RPA players are well-placed to either be acquired into that bigger set of the established, large... Software providers, all to kind of keep blazing a trail for independence of the business. I'm not so sure about this idea that everybody should be programming their own scripts, I think that's a challenge. And I think the new interfaces will help mitigate some of the problems that we've seen with that approach, that hasn't been, haven't been very well done historically, so that's another area that will probably be a bit trough of disillusionment, but, actually, well-managed RPA projects have actually got a really good chance of delivering back very interesting benefits for businesses. >> Yeah, as a discreet innovation category, it does kind of feel that way, and often times, those markets are winner take most, the winner makes a ton of dough, number two makes a little bit of money, number three kind of breaks even, and everybody else gets consolidated or goes out of business, so, you guys go big or go home. That's kind of... Your posture. >> Tomorrow morning I'm doing, I'm doing my predictions for next year, and one of them is that the challenger RPA vendors, and indeed the service organizations that are small, are going to continue to consolidate and get acquired next year. So that's the 2020 prediction for us. >> Great. Well, Guy and Cathy, thank you both so much for coming on theCUBE. It was a great conversation. >> Oh, good, thank you. >> Thank you very much, indeed. Thanks Rebecca. >> Dave: Thanks you guys. >> I'm Rebecca Knight for Dave Vellante, stay tuned for more of theCUBES live coverage of UiPath. (techno music)