program the banking system going straight to mobile money well other jurisdictions the leapfrogging securities and exchange and going straight to where we want to be and that's what the future has been working on and we've been off in the question you know is focusing on the us the right strategy is that the right approach well it depends where they go from here and what happens next but if not the whole business texans willing to field fit for purpose and the this in the way the market is once once it's done well let me ask you about. a you know africa you know you mention ampacity in africa and of course we know bit paisa we've been involved in helping to finance that company and recently the bank the future are good friends a bit mari were able to raise some funds there now got a banking i guess a banking license and zimbabwe so i mean this is part of the great thing about the senator simon is not only are you disrupting the banking industry as you've stated you know in your book when you started out but you're also changing dynamics in the global finance in a big way so africa potentially could be the