also with us is a former microsoft coo. cory johnson is still your as well.think he -- do you think are-- ebay and paypal better together or apart? >> think they are better apart. always believed more in partnerships and the rest of the paypal mafia, but i think he would probably agree with the following point -- when you have one big customer, which is what ebay is, it tends to crowd out a lot of innovation. there's a lot of hot demand and services you have to allocate to that very large customer. paypal over the last decade has missed all the innovation in a square world and stripe world. >> what do you think? >> i think what needs to be done is a sensible analysis of the worst-case, the best case thomas most probably case of a split versus keeping them together. one thing we know is electronic payment is going to be a hot area. are struggling with the security issue. they are searching for a way to get out of the credit card mess, so to speak. the one that target represents as we have seen recently. you need to look at that and if the numbers say separatin