zelle®. e lindo ¿y por qué zelle®? ¿¡por qué zelle®!?co. (pájaros trinando) ♪ (música optimista) ♪ (bip del teléfono) ♪ ♪ ♪ ♪ ♪ ♪ ♪ (música más tranquila) ♪ (clics telefónicos) ♪ ♪ ♪♪ >> ♪ >> vaya polÉmica, entre trabajadores y directivos de la famosa tortillerÍa el milagro e chicago. los empleados ahora aseguran que los intimidan por su estatus migratorio, rubÉn amplia >> incluso b yo mismo decÍa voy perder mi trabajo. >> pedro denuncia intimidacÓn de parte de los directivos de la tortillerÍa el milagro que se han moleado por las manifestaciones de los trabajadores exigiendo mejores condiciones laborales. >> pues la gente que no tenÍa papeles iba a resultar afectada, ya sea perdiendo su trabajo hasta siendo deportada >> por eso con la ayuda de activistas somieron una jefa en la cual se especÍfica la supuesta intimidaciÓn que podrÍ haber consecuencias negativas debido a su estatus de migraciÓn. >> van a investigar el reclamo que se metiÓ relacionado a esta intimidaciÓn porque eso no se permite, no se debe hacer, ellos van a ver quÉ ocurr

the zelle user agreement says, "neither we nor zelle offer protection for unauthorized payments."d authorize a payment for goods they didn't get. namely, their own money back. >> it was an eye opener. >> you are not going to ensure this money? they said no. >> sorry, out of luck. >> sorry ma'am, nothing we can do. >> is always the advice. amy: cyber security expert and journalist bob sullivan says of federal law protects victims of this type of scam. >> those type of fraudulent transactions are covered at consumers should be getting refunds. amy: regulation ee, part of the electronic transfer act requires banks to refund customers for fraudulent transactions on their accounts. the consumer financial protection bureau put out this directive in june saying the law applies if a third party fraudulently induces a customer into sharing account access information. >> this is when someone tricks you. the whole idea that treachery is involved should mean consumers are protected. amy: we told bank of america about the victims, pointing out consumers were tricked. right away, the bank repla

of a and not just zelle. we've seen it with other banks with zelle.n you statue a phone number, it tells people this is legit and this is eye i have to get it through everyone that just because a call says it's coming from a specific person doesn't mean it is. it's a very meal excitement program that will say in phone call is from kristen sze whether it's actually from michael funny criticism. kristen: right. give us the moral of the story, the things we need to do to protect ourselves. michael: there's never an emergency. that's the nature thing. when it comes to your munch, there isn't an emergency, if you haven't sent it out. slow down, get ahold of your financial institution through a different way than how you just heard from them. when someone contacts you, do not contacts back to them. go online, give them a phone number, give them a call. kristen: got it. michael, thank you so much. we'll ♪ ♪ comprehensive dental coverage. so you can enjoy movie night to the fullest. now the medicare advantage plans from scan health plan give you more ways to

not a breach of the banks or zell security.nev v respond to unsolicited emails texts or phone calls look up the contact information online and then you reach out yourself if you're concerned a couple of minutes a couple of hours in going to make any difference. one it's great that you were able to get their money back to this is a really elaborate scheme that these people are. off because they've got a few things stacked up on top of each other where you think oh, this must be legit see and they come in and attacks, which is how many financial institutions get a hold of you now then they give you a phone call. that's also how they do it once you've made some contact. and so everything they're saying even if it isn't quite right, it's close enough to what you've done before. i mean, these guys are good at what they do. yeah. well, so are you and that's why it's fantastic for the viewers that you can help. thank you michael here michael michael's original story about this has been one of the most popular on our website for days g

i'm says the bank never asks you to transfer money influence zell.bank of america and zell on our website. later this week we're going to look into exactly what are your rights under those conditions so stay tuned. >> excellent work. i know you love your job, burr this is very >> see what thank change really looks like in the bay area. >> and we'll take you will inside the brand-new every day in business brings something new. so get the flexibility of the new mobile service designed for your small business. introducing comcast business mobile. you get the most reliable network with nationwide 5g included. and you can get unlimited data for just $30 per line per month when you get four lines or mix and match data options. available now for comcast business internet customers with no line-activation fees or term contract required. see if you can save by switching today. comcast business. powering possibilities. we love our house, been here for years. yeah. but there's an animal in the attic. (loud drumming) yeah yeah yeah yeah!!!! (animal drumming in d

zelle®. ¿y por qué zelle®? zelle® es una manera genial de enviar dinero a familiares y amigos.izado marchas en horarios anteriores en contra de la f 10 70 y ahorita con su silencio no estÁ diciÉndonos que nos apoya. trabajar con la administraciÓn de joe biden y que el hombre logren ese anhelado camino a la ciudadanÍa, la senadora se ha hecho inaccesible y ha tenido una reuniÓn con la comunidad en mÁs de tres aÑos. ahorita nosotros estamos decepcionados. estamos luchando por mÁs de dos dÉcadas para lograr Éste camino. aquÍ nosotros estamos perdiendo a nuestros familiares y el dolor de nosotros. >> el sentido de urgencia dicen que no tienen lobby ni tienen una oportunidad de poder estar cerca de una forma tradicional y tiene que recurrir a Éste tipo de cosas. seguir a una persona es demasiado. entiendo su sentido de urgencia y dudo de la efectividad de la prÁctica, la respuesta fue nula. ademÁs creo que se estÁ salvando de lo que Ésta mujer no le ponga algo de acoso. no solamente en Ésta mesa, pero yo apoyo tu causa y apoyÓ muchas cosas que tienen que ver con los soÑadores.creo q

zelle®. ¿y por qué zelle®? zelle® es una manera genial de enviar dinero a familiares y amigos. y yo no nos conocÍamos en persona, tampoco habÍamos hablado pero tenemos un momento en comÚn, verdad? un alto que tÚ ejercite hace unos meses atrÁs, atrapas de una gata embarazada, llegÓ a mi casa, tuvo sus cachorros en casa, se criaron, hasta que encontraron un hogar para siempre. >> sÍ, correcto fue un placer. jorge: te agradezco por eso que hiciste. contame en donde estamos y a quÉ te dedicas? >> una cre de tierra, que practicado por los Últimos 11 aÑos de mi vida es el arte de atrapar, esterilizar y devolver los gatos en miami—dade son libres de estar en donde quieran y tambiÉn promuevo en mi paÍs natal venezuela la esterilizaciÓn de gatos especÍficamente en los Últimos tres aÑos hemos hecho una labor de casi 1000 animales allÁ. ha sido majestuoso trabajar allÁ. los recursos son mÁs limitados. aquÍ gracias a dios contamos con las cirugÍas gratis y los gatos al ser esterilizados y vacunados se les hace una marca en la oreja izquierda que es la seÑal universal de que un gato ha sido

zelle®. ¿y por qué zelle®? zelle® es una manera genial de enviar dinero a familiares y amigos.n, sino lo que que sucede permanentemente en colombia con los derechos a mujeres, allÍ escucharÍa lo que dirÍa la vicepresidente de colombia. no justifico, pero me gustarÍa que fuera igual, un hombre quemÓ a su mujer porque no lavÓ los platos, y la vicepresidenta no ha dicho nada del accionar del juez, que le dio casa por cÁrcel. carlos: cuando hablas de j balvin, tienes fama. elyangÉlica: creo que esta respuesta fue por presiÓn de grupos especÍficos, que estaban exigen una respuesta contundente de parte del gobierno de colombia. cuando hay decisiones judiciales los gobiernos prefieren mantenerse abstraidos de cualquier decisiÓn, porque eso significara una injerencia en el poder judicial. en algunos casos, si el caso es muy mediÁtico, o todos conversar sobre Él, deciden asumir una posiciÓn, pero eso responde bÁsicamente a que un grupo especÍfico se sintiÓ directamente afectado, moviÓ los cimientos, hizo una manifestaciÓn, y fue hasta el gobierno y le digo "manifiÉstate porque eso no pu

the banks had zelle, which was actually bigger. the banks have been leaders in some areas, partners in other aspects and acquirers in some segments. i think the banking industry has adapted and will continue to have to adapt to stay competitive, but $60 billion a year on technology, that something we think they will be able to benefit from. caroline: thank you, jason goldberg. an excellent conversation with barclays managing director and senior equity analyst. up next, we discussed where we stand in the growth versus value debate. that's next. this is bloomberg. ♪ taylor: we have been talking a lot about the theme of growth versus value, and who is winning now. both are on par for this year, although it does change up the story if you go back longer-term. caroline, really interesting if you think about where we are in the horserace of growth versus value. caroline: at one point it was value that led off the charts, as we started to see the economy returning. now growth is getting a bit of a bid. now we are in connect when we look a

zelle®. ¿y por qué zelle®? zelle® es una manera genial de enviar dinero a familiares y amigos.nte porque tienen miedo al covid, ha disminuido un 18%, y eso afecta directamente el tema de las mamografÍas doctor, porque 80% ha disminuido las mamografÍas en este tiempo que hemos pasado en pandemia, eso ha hecho que los expertos proyecten que posiblemente hasta 2500 personas mueran de cÁncer de mama por no haber sido diagnosticadas. doctor juan: gracias por estar con nosotros y hacer de voluntaria para crear conciencia, como ustedes ven tenemos nuestras mÁscaras del color rosado como debe ser, y esto es preocupante realmente, porque en el dÍa nacional de la mamografÍa, creo que es importante recalcar la importancia de la detecciÓn temprana realmente para la detecciÓn de cÁncer de seno, "despierta amÉrica" se une a la concientizaciÓn de la enfermedad junto a la universidad internacional de la florida, hoy ellos nos traen el centro ambulatorio de mamografÍas 3d, linda, asÍ se llama donde estamos, y les vamos a mostrar paso a paso como es el procedimiento, y para esto nos acompaÑa la

and members of the intelligence community, notably absent is zell, my calozaro, he has been america's point person in talks with the taliban for years. all right, we're going to leave it down fortunately. natasha. let's go over now. stephanie deca and some of the, the issues that they're discussing on assume security, economic assistance inclusiveness. and i mean those terms have very real meanings for life in afghanistan right now. right? absolutely. i think it's safe to say sammy, that you have a population of almost 40000000 people being held hostage if you will, are due to politics, is the country that's become incredibly dependent on international money being injected into it to sustain itself, its economy. and this is what you're seeing, unraveling. now you have people who have not been paid in months, their salaries. you have people who live, you know, hand to mouth, day laborers who god, who depend on that money to survive and feed their families. that is not happening . you see people in the market selling small goods, household items, whatever money they can make to survive.

you think of zell, paypal. central bank currency -- digital currency would not allow -- would not require you to have an internet connection. china is pushing this forward. china is the biggest country doing this right now. you named another -- you named a number of others, but china is obviously the biggest one. if they are able to implement this, they are ruling -- rolling it at the beijing olympics and showing hey, this is how you use digital currency. if they use it first, they get to set the rules, so to speak. differentiation in the payments so we've always said the rules. the government is less so in your business than they are in china. the government -- china wants the government to see everything. if they get there first, develop it first, they get to be in the drivers seat of the citing the rules of the road and how things go. that's another reason why the federal reserve wants to push forward on this. some folks and government want to push forward in this because they don't want to allow china to se

taking cash and spending it, moving money from p2p payments through cell -- through zelle, all thoserent ways people move money. over last year, it has grown by 20% plus. you say last year we were in a pandemic, but no, last year at this quarter, we were growing at 20% over 2019. the month of october is up you know, 13%, 14% so far. the month of september was the biggest month during the year. almost $3 trillion of spending so far this year and a record amount in the third quarter in our history, you see that grow at double-digit rates. that is consistent with the 5% projection we have for the economy to grow this year and is consistent with what we see next year which is five percent-plus growth. >> how much of a vantage point do you have into the holiday season coming up? there's some concern expressed about supply chains. do you have any sense of consumer spending going into the holidays? >> it will be interesting because it is a big spending season and that will be in the year-over-year comparison from 2019 and 2021, skipping what happened in 2020. the question is if people have

do you zelle >> yes, i used it this weekend to pay somebody. about at&t, it caught an up grade i think, a market perform somewhere. >> i like the upgrade. i don't know if people have notice the declines of shares in at&t, t-mobile and verizon it's a lot of price competition. not just coming from the three of them -- >> are you going to go cable >> i'm going cable they have been very aggressive lately in terms of offering pricing, new plans for potentially luring in wireless customers. look add what's happened in the stock the last week. t-mobile is done 7.5%, at&t over 5.5%, despite the fact you've had analysts citing their over overbuild, that being a rae competitive threat , but all of that has been very weak >> why are you looking at my notes? those are incredibly bad numbers. >> what are you doing? >> this is look like the glasses your dentist wears, right? >> but i feel like i need novocaine with these >> what are you doing? are you a diamond seller >> people got that last dividend now the people who left are completely brain dead, and it

zelle >> this crosses the line of poking fun. >> this was hate speech. >> the ceo initially defendedng content on screen does not translate to real-world harm. in an interview last night, he acknowledged he screwed up and should have led with more humanity. >> i read the apology today. it does not go far enough. >> suzanne ford is a bay area trans activist who has led better to create me inclusive.id programming. >> often only the mocking stories are told about us. nobody talks about how beautiful our truth is when we get to live it. >> that click send a statement that they respect their employees decision to walk out and they recognize they have more work to do both within netflix and their content. kristen: -- larry: facebook taking a page out of google's playbook and will rebrand itself with a new name for its parent organization. kind of how they did with alphabet. it has been forever since we have spoken. >> it is good to see you. >> virtually. larry: facebook is not commenting on this move, but what are you hearing? >> it is interesting. a lot of the questions people have about

they're especially crucial in this race because early voting began in mid september as cnn's jeff zelleif virginia so far. >> reporter: every day is election day for more than a month now that's been true in virginia, which is why debby weber is greeting voters outside the county election office. >> hi there. how are you? >> reporter: and fielding questions about early voting. she is a gop volunteer and is getting an earful from many fellow republicans. >> they question the -- are these dominion voting machines? and as far as i know, no, they're not. okay? but that doesn't lessen the concern they have that voting machines in general can be tampered with. >> reporter: that concern is unfounded, yet this is the irony in the nail biting virginia governor's race. as republicans are scrambling to urge their supporters to take advantage of early voting. after casting as perfections on it for the last year. democrat terry mcauliffe and republican dplen youngkin have already cast their ballots early. >> we did it. >> along with more than half a million virginians and counting. it is a critical

newsome announcing the country's first statewide coronavirus vaccine mandate for student cloud for zell a sogomonian is live in the studio tonight with details and reaction l a. >> pam and ken, it may be the first of its kind and the governor expects it will not be the last period. james denman middle school in san francisco today. gavin newsom outlined the mandate which requires all students to get a covid shot for school by july. so it's going to be a while before it goes into effect. but this would apply to all california students enrolled in 7th through 12th grade that of course, depends on the vaccines, getting final federal approval for everybody. 12 and up right now, the shots have emergency authorization use for those 12 to 15 years old and final signoff is expected some time next year. and when federal approval for the vaccine comes for children between 5.11 years old. the state will require kindergarten through 6th graders to also get the vaccine. the state will grant exemptions for medical reasons and religious beliefs. but any student without an exemption who refuses to get

>> i think they know that but they also have a duty for zell is advocacy, so we're going to try to assert that anyway. they first tried to convince the current president of the united states to invoke it and the white house has declined to do that. >> right. and so now even through attorneys representing these four who have been subpoenaed, particularly the lawyer for steve bannon, says the former president instructed him to defy testimony, so if that's the case, i guess he's alleging that's going to be his protection, but if that is the case, wouldn't that be obstruction? >> it certainly could be obstruction. trump would have legal counterarguments to make that he is claiming it's his interpretation of executive privilege so he would say he has a good faith basis rather than an intention to obstruct congress in this case. but i think the justice department is less likely to go after that kind of instruction as obstruction. i think the litmus test for them is going to be if these defiant rebels like bannon won't comply, what would attorney general merrick garland do? >> do you see that's

. >>> cnn political analyst julien zell zer with us now. it's good to see you again. i feel like it's been a while. terry mcauliffe -- i'm sorry, i want to start with steve bannon. based on what you heard daniella talking about, what does history tell us about whether we will hear from bannon? >> well, the history suggests we won't or we'll just hear what bannon wants to say, meaning he is willing to wait out this process where the odds are unlikely to result in any kind of big punishment and this is a team, the former president's allies, that doesn't feel shame from these kinds of investigations. as we saw with the whole impeachment process, figures around the former president, including bannon, are more than willing to challenge congressional oversight and not say anything. >> so i want to move to what's happening in virginia right now with the gubernatorial race. terry mcauliffe and glen youngken. we've had people say what happens in the virginia race is going to happen in not just 2022 but 2024. it seems the slogan for terry mcauliffe is stop trumpism. he was on w

head to head i do think there's room for both and there isn't a third competitor unless you count zellthis consortium of banks with their own version, but i think there's room for both i like paypal better because i think they've done a better job on the e-commerce side square looks like it wants to compete with coin base and robinhood and be more brokeragy and i'm less bullish on that no reason why both of these stocks can't continue to work. >> let me hit this neocall, too, before we get to a news break. >> upgraded goldman sachs to buy. price target is 56 that's a big move. doc, you have calls. on this call today jim cramer said and he was emphatic, no, i do not want people in these chinese stocks so is there a rebuttal to jim on that >> well, the argument against it has been, of course, that circular firing squad. in other words, this is all damage that they've inflicted on themselves that is the ccp inflicting it on these companies, scott as soon as they put the guns back in the holster, that's the time to buy, and at least for the time being they have, we talked about it with wei

r s is cracking down on business owners who use apps such as venmo, zell and paypal to conduct transactionsg taxes on that income. this new rule is going to allow the federal government to take a closer look at business transactions over $600 on those apps. payment apps make it easy to pay others without having to hand over cash or write a check. but some business owners collect those payments and then failed to report that income. regardless of the means of payment. if you're engaged in the business operation of any type, and you receive payment, you're supposed to report the arrest. even if you hand the getting a 10 99 of any type before. and when the new rule takes effect on january 1st, those apps will notify the agency when payments exceed $600 after the report, a 10 99 tax form will be sent out. the rule will not impact personal transactions on cash apps. firefighters say the long awaited rain in the bay area will greatly reduce the chance of a major wildfire at least for the next several days. course the month of october has long been one of the most dangerous times of the year for c

busca zelle® en la app de tu banco. tÚ no sabes la emociÓn, escucho Éste quiero salir modelando. quÉ noche, tu mejor cuÉntanos >> le hizo super bien impuso a una mÁs de muy nerviosa. les cuento que la noche nos dio como un bombazo. iban a aceptar en 10 chicas a la mansiÓn y solamente dieron nueve llaves. >> ahora el pÚblico se va a encargar de darle esa llave a una de las chicas que creo que si pasa serÍa una ventaja para ella. >> perfectamente, tambiÉn estuvo alejandra guzmÁn. aquÍ le tengo un resumen de los mejores momentos de nuestra belleza latina. (musica) >> la segunda gala abriÓ por todo lo alto con la gran presentaciÓn de alejandra guzmÁn ya no deslumbrÓ con una mezcla exclusiva de su nueva canciÓn y su clÁsico tema. >> lamentablemente quiere decir que abandonas la competencia. ademÁs la joven mexicana de los Ángeles fue la primera en abandonar la competencia como resultado de la votaciÓn popular. >> te invito a ser la pasarela de nuestra belleza latina por Última vez. la noche tambiÉn estuvo muy bien acompaÑada

busca zelle® en la app de tu banco. ¿tu base de larga duraciÓn resiste esto?riposa monarca. soy una mariposa monarca, yo me siento una mariposa monarca, especialmente hoy, estoy como feliz y moviendo las alitas. esta experiencia fue increÍble, pude hacer la voz en inglÉs y en espaÑol, siempre quise ser actriz de voice over, la verdad. me parece muy divertido. cuando esta oportunidad se presentÓ fue muy divertido para mÍ. me sentÍ muy conectada, muy identificada con la mariposa monarca. francisca: estoy segura que todos lo disfrutaremos muchÍsimo, porque disfrutamos todo lo que ustedes comparten. el trabajo no para, ya en hablado tÚ y camilo, cÓmo van a balancear con la vida profesional, y ahora siendo padres. la tarea estarÁ un poco retadora. >> no, creo que serÁ demasiado divertido. creo que lo vamos a lograr muy bien. gracias dios nuestros trabajos nos permiten estar mÁs con ellos tambiÉn, y poder llevarnos a los niÑos, yo digo niÑos para el futuro, podemos llevar a los bebÉs de giras, de viajes, y a los sets de grabaciÓn. estamos muy contentos, sabemos que

busca zelle® en la app de tu banco.. la mayorÍa que son mÁs grandes que lo que tiene ahora sofÍa castro, pero ha demostrado que es buena bailarina. [hablan a la vez] marcela: me parece lo contrario. me parece que estÁ planteando quÉ tan importantes para ella hacer este personaje. creo que el personaje ha llegado a hacer tan importante, tan relevante, popular mexicano, que cualquiera se muere por hacer ese papel. [hablan a la vez] maity: tiene que saber bailar, cantar. bailan con acrobacias muy grande. tiene que saber improvisar. es un espectÁculo admirable. aylen: interactuar todo el tiempo con el pÚblico. carlos: miren esto. hablando de los mexicanos, dice que memoria tan corta que tienen los mexicanos. dice que fueron la gaviota y su esposo que despojaron de todo. ahora quiere que aplauda amos a sus hijos. tambiÉn es un tema interesante. [hablan a la vez] tony: ella y sus padres son sus padres. aylen: yo creo que la gente irÍa. ely: en este caso lo que estaba planteando porque he visto todo lo que se dice de ese espec

one is called zelle, another is a digital assistant. they are leading the way and getting customers to get onto these platforms. wells fargo also a big beat. it is making headway in resolving various regulatory concerns. that was an issue for this bank. he -- the cfo said it will probably take several years to resolve the issues before it, but they see progress. paul: bloomberg's su keenan watching those bank earnings. we are hearing more divergence from fed officials about whether inflation is transitory or persistent. kathleen hays is here with their latest remarks. kathleen: this diversions among fed officials about persistent versus transitory continues. let's talk about commodity prices. how do you know it is transitory? commodity prices are at record highs. those will go into the prices of outputs, which will go into the prices of retail goods. when will that peak and go down? he said he thinks there is a risk that inflation will stay stubbornly high. >> while i do think there -- while i do think there is some possibility this wil

written statement i talked about the lack of regulations on things like digital payment apps like zelle venmo. when we talk about cryptocurrencies in terms of consumer protections is basically a wild west. consumers really have no protections in place when, for example, someone hacks their coin base account and steals all of their bitcoins. consumers can we hear stories of this constantly happening so i think it's a space where there needs to much stronger consumer protection regulation, but to the point about the anonymity of crypto currency i would just have to add that an important distinction to make between crypto currency and cash is that cash is backed by the full faith and credit of the united states government. it's heavily regulated by its production and the bureau printing and engraving. cryptocurrencies are only based on the faith of people who create them and who had them in their wallets. i hesitate to sort of compare apples to apples. >> let me stay with you on that. creating this cashless economy, and i really try not to hang back in time, but you know, it is chilling to

is the explosive growth peer to peer or p to p like paypal and venmo and where cash and the banks zelle service. by run estimate, four in five or 75% of americans have used mobile payment apps. by 2023, more than $2 trillion will likely be transacted via these platforms. unfortunately the features that make p to p appealing, low cost and nearly instantaneous payments are also key contributors to high fraud rate. in 2020, the s.e.c. received nearly 62,000 complaint from consumers for similar services. with a lot of $87 million. those are just the tip of the iceberg. analysts estimate that the fraud rate on these platforms are three to four times higher than for traditional payment methods such as debit or credit cards. p to p services are aware that scammers use their services to obtain funds from victims and while p to p services do employ technology measures and trying to stop the transactions there is a business incentive to not introduce tom blocks in the payment process. if they make the decision to view their services toward speed and convenience at the expense of safety and securi

and i think what it takes is really, really zell is advocacy. but in circumstances like you're describing, that advocacy of expressed wishes to be able to challenge the evidence that's being used against you did not appear to be present. and i think it really highlights the fact that there's a deep importance in having access to attorneys of your choice and attorneys that are advocating for your express wishes, because that's another big issue that i see where attorneys are advocating perhaps for what they believe is in the person's best interest or the systems can be very insular and, very insular systems that aren't based upon the kind of civil rights focus. so those can be challenges when it comes to guardianship proceedings. >> doctor, you spoke some about alternatives to conservatorship. can you describe the efficacy of some of the alternative mechanisms to deal with someone with diminished capacity? >> yes. so we work as a team to deliver health care. health care for people with developmental disabilities is interdisciplinary team-based ca

you think of zell, paypal. bank currency -- digital currency would not allow -- would not require you to have an internet connection. china is pushing this forward. china is the biggest country doing this right now. you named another -- you named a number of others, but china is obviously the biggest one. if they are able to implement this, they are ruling -- rolling it at the beijing olympics and showing hey, this is how you use digital currency. if they use it first, they get to set the rules, so to speak. differentiation in the payments so we've always said the rules. the government is less so in your business than they are in china. the government -- china wants the government to see everything. if they get there first, develop it first, they get to be in the drivers seat of the citing the rules of the road and how things go. that's another reason why the federal reserve wants to push forward on this. some folks and government want to push forward in this because they don't want to allow china to set the ru