These are some ideas and updates. I have a few predictions of 2020Accountants will become more app advisors giving xero or Qbo app add ons advice against a small feeSecondly, venders will start emailing receipts following how Squarespace cashmachine app works, I can see worldpay, sumup will ask for email at the POS.Clients will start to use Xero QBO themselves more and use accountanrd for Advisory and Compliance workI hope you like my prediction and I really enjoy listening to CAP