[applause] >> jessie davis. >> good afternoon.in jessie davis, president of creative mobile technologies, one of the providers of the rear seat technology you are debating. by this stage, it started seven years ago in new york when the first technology mandate came to new york. we are different from most companies in this space. and we were built from inside the industry. all of them have worked with in the cab driving industry. when the program comes together with respect to credit cards, it is a difficult conversation. what is being asked of the technology in these meetings is much more than the transaction. when you call it the security and safety, the integrity of the transaction, the interaction is all part of what the technology provides. when you look at changing the rates, you look at 5%. as a provider of the service, it costs more than the cost of the transaction. the best cards, the best rules, do nothing for the cab industry. what you need of the best drivers. to have the best drivers you need systems in place that are