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robert kiyosaki, good stuff and thank you very much for being here. >> thank you, stewa stuart: all rightbase, yeah so we're talking about apple, google, wallets for crypto purchases, the two largest operating systems out there that they make for smartphones and they are offering this new coinbase card on apple pay, google pay and it's an interesting concept, so how it works is coinbase will automatically convert all digital currencies to u.s. dollars, and then transfer those funds to user's coinbase card for everyday purchases like groceries and the like and it's also available for atm withdrawals, so think of crypto as like a currency or a form of payment, which isn't really common these days because the transaction fees are so high , and i'm wondering what the transaction fees are on this coinbase card, and we know that the future of banking and payments is going on your phone and it's going online, stu, remember that. according to e-marketers they say mobile payment usage is on track to surpass half of smartphone users that's billions of people by the year 2025. stuart: [laughter] aga