Exactly. There's already a million kinds of payment apps. There's no big reason for customers to switch or even care about emobile. Apple customers will stay with apple and etc with the rest. But I thought that doesn't matter right? Because what MYEC offers is the "backend technology" of faster transactions. So then why even bother making an app? Why not just focus on what MYEC is supposedly good at? The faster transactions? I would just go after big banks and financial institutions. What ever happened to bank of Kentucky? And we are now all of a sudden steered to an app, and vague Africa signing.