willsay, i don't think i lock my pin, apple will come in and say, i will not enable for any customers who want to put a pin on this fund protected and that would be the same as what banks are doing by not putting pins on their products. i think it is a backstop for us toward innovation in the u.s. with one other quick piece that we have not talked about and i'm sure most of you may not have it on your debit.nless you pay emb withed challenges we have certifications, and we will get there, but there are challenges. scott is right. if a merchant wants to program their point-of-sale and process emb a certain way, they can do that. in order to be pin preferring, they now have to go through this added step, which they did not have to do before when you could wrap transactions in a striped -- and a magnetic stripe environment. prompt andnew screen i will put these outs of folks can take a look, but essentially, it says here [indiscernible] up as seeing this popped a certification process that merchants who rollout emb at the point of sales. it has caught a lot of folks off guard and it was