for quite À la gobbler does and finance. 500 million customers it will be quite difficult to treat youdifferently. it strikes me that if you have the luxury of regulation come to you would be saying what the world looks like in 10 years time. what will that do the two financial industry and how do we get ahead of that before we find we are up against but we are dealing with a huge tech platform that has a billion customers who love their payment engine we don't regulate it. >> did you see any movement is on regulatory authorities to demur forward-looking rather than fight the last war? >> the big fresh impetus in cyberwhereas it's always been on the agenda but now it's much more critical because of events that impacted. i think the real forward-looking staff around what will financial mediation world look like? what will the platforms be contributing to that environment didn't do we need to begin to think about where they're going to get to and put in place a framework? the groups like this, the internet and everybody on the internet lies every day. they have understood your terms and