I think ADP and Gusto forced their hand. They realized they needed to be in control of this part of their business, and while before they had planned it as an &quot;eventually&quot; thing, it became a material risk that was no longer tolerable. If I were them in the absence of the ADP shut down and Gusto competing head to head I would have wanted to focus every dollar on the core service and scale and kicked Payroll down the road. Makes sense in context they did it now though.