i have dara meeks, vice president of the group. thanks for stopping by. >> thank you.hank you for having me. >> we are going to talk about payments. i remember the first time i used my phone to pay for something. it was amazing, right? or the first time i went to the apple store and they brought an ipad and i paid sitting in my seat. this is just the beginning? >> just the beginning. so much is happening out there. the world is changing so quickly. feels like an endless future for us. mobility is one part of that. as we roll as an industry, i think it's in retail and every part of what you do. >> as a retailer, small, medium size, growing to be a large retailer, do i need to be forward thinking about this or can i just follow the big guys and that actually will work better for me? >> you know, i think it's a combination. it's what you have as internal support to take the initiatives, personally. forward thinking is the way to go. you are going to expand your customer base. >> for instance, facial recognition is something that is coming. >> right. >> i'm on my phone buy