lawrence gosling, editor—in—chief of what investment joins me now. where do you stand on this?s it somewhere in betweeni think it is somewhere in betweeni think it is somewhere in betweeni think it is somewhere in between. —— is it a scam. we are seeing these currencies being issued nearly every day, they have become mainstream. they nearly ten yea rs have become mainstream. they nearly ten years old now, so that says something about the credibility. at the same time, they are also outside the same time, they are also outside the traditional banking system. the traditional banking system is expensive in the current world, and if you think about the way we have all got used to the likes of paypal or apple pay, other ways of paying for things that are cheaper, quicker, that is where cryptocurrency is coming in and the traditional banking system is under some kind of threat and challenge. what is the situation here, because we've got a currency or a whole basket of currencies are not being regulated? that basket of currencies are not being regulated ? that sounds basket of currenc