we hope as the hill and the next administration decides to can rent issues of vivus he and security that they use us as a model in the small places where they need steps, but also looking at the entire environment. that's something that still needs to be done. >> i hate to borrow the line that which unites us is greater than that which divides us. we've done many of these panels come as you have -- as you can probably tell. ofall share the common goals trying to ensure the safety of the system while still protecting consumers. are simultaneous gold we share toward making sure you get your boots. >> i'm not sure i can put it better than that. it's all about protecting consumers and protecting stakeholders involved in that process. one thing i will leave folks with is a take away as we move into the digital and mobile commerce space, we will get there. we need to think outside the box. let's not look at the traditional payment companies. we are talking about commerce. i don't say mobile payments, i say mobile commerce. payment is a piece, but there's so much added value we can bring as we