ipos of the year shares of the b 2 b payments company, the ceo joining us, the founder and ceo, rene lacerteod to have you >> thank you >> very nice open. nice way to close out the year talk about where you are in terms of the model, what it is levered to is it small business creation or is it increasing the size of existing businesses? >> we focus on helping small and medium size businesses get rid of the -- my parents are serial entrepreneurs, i lived that mess my first company, i lived it there are 6 million people in the u.s. is, they have a nest. they're stuck with paper manual processing of sticky notes, walking the office, should they pay a bill, and that takes time from what they want to be doing, building a business i started this because i liked finance and accounting most people, think about any company on main street usa, they're not doing accounting, they have a passion and mission. we help them get back to that. >> in my own life, i have landscapers, my daughter's preschool, i could go down the list with paper copies i'm getting in the mail, having to pay. why do you think smal