are at astercard, we large scale of payments, very relevant to consumers now.ill always be ideas that come forward, but we already have a very large scale way of securing transactions that works today. it doesn't matter, it's used around the world and it works. it's coming to the u.s. bitcoin is an inscription scheme scheme,ption sophisticated in its own right, but we have those technologies as well. we bring a lot to bear, including a trusted brand and reliability from issuers, and we are a known entity. mass acceptance as well. a payment product is only useful if you can use it somewhere. we have over 38 million locations you can use a mastercard, and that is valuable. that's what matters. >> and apple pay, we can all start using it monday. what have you done to prepare? behindhave extra staff the scenes ready to challenge potential -- handle potential challenges? >> we have been working on this from us two years, so this is a very big weekend for us. we are getting ready for the launch on monday. the work has already been done. we are making sure the systems