oscar joining us from miami, and perry ellis crate of director michael mccarty.dan schulman emily chang is speaking to him. emily, what can we expect from dan? emily: dan schulman talking about democratizing payment around the world, he thinks payments are at an inflection point, but a lot of competition out there from apple, google, potentially facebook. my excuse of interview with dan schulman coming up after the market opens. ♪ erik: tomorrow is the deadline for congress and the labor department on his proposed best interest rule for financial advisors. it would require for people to put their clients interests ahead of their own. the security industry has been saying these regulations or propose relations wouldn't be as helpful harmless as it might appear to some. the president and ceo ken benson want you to get your comments in, that's why he is on "market makers," this morning. i will give you an opportunity to reiterate. on the surface, it looks easy. why wouldn't i want my broker or financial advisor to put my interests ahead of his or hers it seems simpl