ben goodman: thank you. rosemary: all right, jim, so we'll start with you. so, the bitcoin. i mean, should people be getting onboard here? what's the deal? jim lee: my sense is that it's going to be around in some way, shape, or form for awhile. i'd say in the immediate term, it's not so much too early, but maybe getting a little late at this point. the real money has already been made, mm-hmm. rosemary: it cuts out the middleman that is the bank. so, is this a legitimate piece of currency, a legitimate transaction when you pay with bitcoin? ben: well, it does solve one of the big problems of these virtual transactions by making them, you know, verifiable. and so far, it's-- nobody has broken it, so it seems to be working. i think the underlying technology, blockchain technology, is what i'm bullish on personally. it's kind of like the internet and email. bitcoin is the email of blockchain. it's an application of this technology. and companies like ibm are into it big time for all kinds of things that are not related to the currency. but as far as the currency goes, you know