So how does a traditional acquirer provide speedy onboarding like it's software counterparts, like Square for traditional merchants? If traditional acquirers go the software route would they have to spend more on advertising. There are tons of merchant providers in today's market how does an internet search ensures that they can find you after tons of search results. Do traditional acquirers have a leg up on companies like Square as far as being on the front lines going into actual businesses and speaking to merchants on a one on one basis?