. >> analyst dan dolan joins us this morning.g not just the credit card companies but crypto, fintech and buy now pay later companies. it's great to have you i wonder after that thread from coinbase's armstrong whether you think recommendations between the industry and s.e.c. can get worse? are they in fact getting better? >> you know, i think that the s.e.c. regulation has always been as gensler said on the table. i think that the moat for the names is so strong that people want to use them i think those apps and services will prevail and yes, there is some more regulation but i don't see this as being something completely going to, you know, change things in the industry over the long-term because there is so much demand. there is demand for the services. >> right so there is the regulatory picture to keep in mind. there is also the reaction from the legacy, the visas and master cards of the world what do you see as being the issue that moves the evolution of the space. >> you mean in disruption of the space. >> exactly. >> thi

. >> fascinating, dan, dan dolan of mizubop that does it tor "techcheck." >>> all right, carl thanks so much well to the "halftime report." i'm scott wapner front around center this hour breakout or break down which way are stocks heading next. >> what's the catalyst to take them there we're live from the javits center in new york city, the salt conference in new york today. the committee of course with me remotely joining me for the hour kari firestone, jason snipe, steve weiss and joe terranova. which you were here with me. let's check the markets see where stocks come off the sixth negative day in the past seven the fact of the matter is all you all know it's been hard to get much going lately. dow is positive a third percent. s&p positive nasdaq negative lately albeit slightly, down a few points and joe, that's where i'll start. it feels there is generally a malaise over the market. we had a conversation you were on the program jim cramer came out and said this >> i just find -- i don't have anything exciting -- nothing intrigues me i just am -- i'm not saying i'm border because