is big and matt schultz of creditcards.com says that's why it's likely to be slow. >> it's the biggest change in the way we have used credit cards in decades and people aren't ready yet. there's a lot of confusion out there. >> reporter: doug johnson of the american bankers association says that about 70% of cards will be chip-enabled by the end of 2015. but less than half of retail devices will equipped to handle them. so swiping will be an option for a while. >> you will still see the mag stripe, the magnetic stripe on the back of the card, so essentially, if the point of sale device has not been essentially refreshed and -- and brought new, um, with, um, the ability to read the chip, um, the point of sale device will be able to read the mag stripe. >> reporter: even after chip transactions become the norm, schultz says the same rules apply. >> consumers definitely still have to take the same precautions they have been taking for years even with this new chip card because the most important thing to remember is that nobody cares as much about your money as you do. >> reporter: that i

matt dee frisco has a buy at a 68 sooipd target. will has an equally weight with a $56 target. mat, let's start with you, great company, howard schultz, he has done a lot, but 35 times trailing earnings, a 60% gain this year, why is starbucks still worth our viewers' money. >> i don't see the fundamental story slowing. i think he will be telling tonight at 4:00 or 5:00 on the conference call a story of similar same stores sales if not accelerating. in addition the earnings growth will be in line with what it was in '15 which is high teens, maybe even 20% given that coffee has fallen back in the context other large cap growth names within the restaurant space specifically have been talk being september and october the consumer was choppy. i think starbucks is well positioned to buck that trend and stick out as certainly a superior fundamental story. valuations always a concern, however, there is increasingly a scarcity of growth certainly among large cap restaurant stocks. >> what is the key number that you are looking for tonight. >> sn what one thing do you want to see? same store sales? >> sure. i'm at 8%. the consensus slightly lo