we've got an excellent nightly litton, _ got an excellent nightly litton, spotlight here in the south—westb, and recently with what's been going on, the shootings, they've been incredible, and locally on the radio— incredible, and locally on the radio as _ incredible, and locally on the radio as well, on bbc radio devon— radio as well, on bbc radio devon they've an amazing and it would _ devon they've an amazing and it would be — devon they've an amazing and it would be a — devon they've an amazing and it would be a shame if there were more _ would be a shame if there were more cut— would be a shame if there were more cut tax and we lost so much — more cut tax and we lost so much more of that important local— much more of that important local input because it is important to know what's going on locally. i know there is so much — on locally. i know there is so much going on nationally and internationally but locally, it's right on your own doorstep and everybody needs to know what — and everybody needs to know what is — and everybody needs to know what is going on in their own doorstep _ w

really important points it is low average value short duration most importantly, once someone is litton one installment they can't continue shopping until they pay their balance back. there is a great cycle where over time we are engaging with more high-quality consumers because we give good people more flexibility and naturally people who are late over time they are g.i. given less flexibility. those checks and balances are part of the reason consumers love us as much as they do. >> gary gensler from the sec is here later today how much does crypto matter to what after pay does? >> a lot now, given square's strategic importance of crypto we are really excited by that. i think what crypto represents is putting the power back in the consumers' hands it also is led primarily from the next generation. when you look at this millennial and gen z consumer and this movement that is underpinning crypto or a whole range of other components rolling out through the finance ecosystem you know for that is incredibly exciting where. that gets to i think the combination about respective ecosystems cre