 yeah and i think if you look globally it's really quite interesting because you know the the nice thing about visas we operate in nearly every country in the world 20 years ago there used to be one way to pay but now just there is so many different ways to pay around the world in particular some of the key trends would be there's digital wallets so you can load your card or your bank account into a digital wallet and you can make payments you can send money to your friends