sebastian siemiatkowski from klarna, thank you. >>> the loans are so much shorter, but we didn't getital side of it. they're not banks. >> some of the same people if you can't pay back a little loan, you can't pay back a big loan. >>> why amazon and google are facing off with microsoft and what the cloud has to do with it that's up next we're back in two. >>> we know the cloud is competitive. amazon taking aim at -- for context. microsoft just announced new changes will take effect october 1, arguing they'll make it easier for cloud providers to compete. an amazon spokesperson calls the move an unfair attempt to limit competition that microsoft faces. a google cloud executive took to twitter to complain customers should be able to move freely across platforms and choose the technology that works best for them rather than what works best for microsoft. interesting wrinkle here, jon. >> it's the enterprise version of the walled garden argument that gets rolled out know, microsoft has one of, many of the those important assets in enterprise software. microsoft office, right? as that tra