mr. dorsey, you started small businesses and some of them have become big businesses. i was speaking just yesterday with neil ferguson of harvard and he was decrying how hard he sees it today to start a small business in america. do you see it that way? is it harder than it used to be? is it too hard? >> i think it's one of the toughest things ever to get going and start, but technology is enabling people to start faster, and to start with less resources. so we see a trend in people using devices they already know how to use. their 2-year-olds know how to use. they can buy anywhere in america and participating on, so we leave this, especially at square where we enabled small businesses to accept credit kracards with the phone or ipad. >> he was pointing towards tape or points he had to go through to get his business off the ground. let me turn the conversation, mr. dorsey, if i might, one other thing small business people tell me or ask me all the time is i want to use social media to help my business. i want to use technology to do it. i don't know how and i'm a littl