Some pretty big features coming in iOS 11.3. When I first saw Apple Pay Cash shown my head went right away to that being a great way to buy items from small merchants. The challenge was on the merchant side, but this new Business Chat capability is directly solving that. I’m going to guess that iMessage using iCloud is a critical dependency for Business Chat. I also like the additions to the Health app. It seems odd that you cannot currently store the results of a Dr. visit in Health, which hopefully this will solve.