hemant taneja: think about how payments used to be.much more complex process before stripe really arrived. today any developer that opens up a website and decides to sell, payments is merely an api call so they be embed payments. cory: so it used to be when someone would start a website, drugstore.com, a great, big company. you would have to build an infrastructure to figure out how am i going to recognize the numbers that are going to come in? how am i going to verify those numbers? how am i going to suck the payment out of that account? how can i tell the consumer that the payment has been accepted? hamant: that is right. and wait for weeks of approval to get in business. today you create your website and within minutes you are able to accept payments. stripe does all of that for you. all that you talked about, it makes it a core utility. cory: the interweb, which is a series of tubes, is at least 15 years old where you have had e-commerce websites. let's call it 20. amazon is about 20 years old now. is it really the entire time ther