ellen richie visa vice chairman of risk and public policy. thank you. we appreciate it.mily: coming up next, why did united airlines sue a 23-year-old? we take a look at some of the secrets of how airlines price their flights, next. ♪ emily: this is "bloomberg west." i'm emily chang. back in november united airlines sued a 23-year-old who started a website that helps people find cheap flights. how does it work? well, a lot of airlines use what's called a hub and spokes model for planning flights. planes lay over in regional hubs before going on to other destinations but what if your real destination is actually the lay over city? skip lagged helps people find those routes where you can hop off the plane during the lay over and you don't have to take the final flight. earlier this week united's lawsuit was dismissed but it doesn't mean their fight is over. skip lagged's founder joins us from new york with more. so you're the 23-year-old guy they sued. i imagine it's good to have united not on your back. are the legal problems over? >> as of right now, there is no lawsuit