bricklin: absolutely. lot of competition for the marginal employee today and trying to get that extra person at the counter, the extra person working to drive that creation. there also has been a tremendous amount of attraction for folks to work at small businesses if you look at the numbers of small businesses that were created in 2020, it was about 86% gain from 2019. there is a huge opportunity to get involved in new businesses, new ideas that try to capture that digital economy as well as that mainstreet economy. tom: let's get in front of the news. what is the mastercard call on the holiday season? do not give me a lot of grinch stuff. bricklin: it is good. we have faith the season could bring a gain of 7.4% for the year. those are really good numbers. if the normal season is between 4% or 5% growth, we are seeing that strong holiday season into the end of the year. a lot of questions on the supply side, but consumers are spending and it is a healthy economy. tom: bricklin dwyer, important research wi