Smartcard should receive a strong response from customers, glad to be in at the ground floor, customer loyalty is a big part of this industry, i have seen loyalty cards where credits for discounts are kept on a smartcard but nothing like this, regulars will now have a chance to keep an account with their favorite store/clinic and avoid going to the atm before making a purchase...efficient, retailers will be signing up left and right to keep their loyalty base...this will explode nationwide once beta testing is complete...excellent direction for FFFC. I'm looking to see if we catch up with ERRB....