two, curated e-commerce, catering the online shopping experience to the unique taste of the customerue to grow. three, education technology or ed tech. schools and teachers are incorporating more tech into all aspects of the school day. for entrepreneurs, this is a chance to meet demand. four, mobile app development. businesses are expanding their operations on to mobile platforms and need the experts to help them make the transition smooth, and five, cyber security. security breaches have filled headlines, and as a result businesses are investing heavy in their network security, providing protection for worried companies is a growing opportunity. >>> it's time now to answer some of your business questions. let's get our board of directors in here to help us ut. scott bell ski is adobe's vice president of products and community. he was the founder of an online platform to discover reaive work. amos win bush iii, universal data transfer and synchronization company. so great to see both of you guys. >> let's get started. the first question is about getting paid. >> one of the things i