FinTech Friday's | News & Resources On FinTech Innovations, Crypto, and More!

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What's up everybody, it's Justin live from B2B Vault, the payment technology podcast with your host Allen Kopelman, and we'll be providing you educational information about business payments, fintech, decentralized finance, and the technology businesses use in today's world. And in today's episode, we, we call it Fintech Fridays, where we talk about everything fintech, you know, innovations, news updates, problems, issues. The world is coming to an end because fintech wasn't mentioned in the news today, so we had to mention fintech again. Fintech. I'm just kidding. Sorry. So yeah, we'll get right into it.

One of the most searched words.

It's definitely a high search volume in Google. Yes, yes.

People like— everything is turned— everything financial is being called fintech these days.

Another fintech.

That's it.

Fintech companies are popping up left and right, that's for sure.

So there's like a lot of crazy stuff going on with crypto. And yeah, you know, there's a lot of stuff going on with Congress. We talked about that last week. We're not going to get too much into that. But this week, as far as buy now pay later is concerned, the Consumer Financial Protection Bureau, which I never heard of until this year, they're, they're literally like going after all the buy now pay later companies.

How many bureaus are there?

Too many. We listed them last week. It was like so many of these financial—

we did talk about a lot of bureaus, and it's completely out of control. Yeah.

And they're going after the buy now pay later companies, you know, Afterpay, Klarna, all of them.

Really?

They're going after everybody. They want to see their financials.

So I was— they're not banks, but no, but I was reading this one article about it and So basically, is the, the reason why they're going after them is because, you know, people are basically going broke, right, doing this.

Yeah, because they're saying people are bored at home, and then they make a shopping purchase and they go, I don't have the money and I'll do a buy now pay later, right? And then they pay the initial whatever, $37, or they might pay the second payment, right?

And then they default, and then they default, and now their bank account's overdrafted because it's ACH. It's automatic. It's coming out of there regardless.

It's either ACH, debit card, and credit card, right? Maybe some people cancel the credit card. It's a little crazy. Yeah, some of the— you know, there's— it's a little wild, wild west on that product.

Yeah, guns are blazing.

Yep. So the Consumer Financial Protection Bureau, they're gonna come and protect us all. They're— they got to put some rules in. We've talked about this. I talked about this this morning. I was interviewed 2 times this morning, once for an article and once for somebody else, someone's podcast. And that's one of the things I was explaining to them, is that innovation is outpacing regulation, right? And the government is not having any of it. They don't know what to do.

Yeah, so a bunch of dinosaurs run government. So moving on, come on.

So now, like, crypto is crazy in the news this week with all kinds of stuff going on with crypto. You got Robinhood hit with a $30 million fine by New York regulators for—

holy moly guacamole—

all kinds of violations. And most of it probably has to do with altcoins.

I was reading something, I don't want to quote the article that I was reading, I don't know how legitimate of the source was. So I—

well, they got fined $30 million.

Yeah, they definitely got fined $30 mil.

Right, that's the— there was— it was very complicated. Yeah, it was very complicated about disclosures and this and that, but that's pretty crazy. No, that's a fintech company, Robinhood.

Another, another fintech, financial technology.

And then NFTs have been in the news because there's a lot of stuff going on. Somebody counterfeited up the Bored Ape Yacht Club, right?

They didn't counterfeit it.

What they copied—

what the guy did was he, he took all 10,000 Bored Apes, right, and he uploaded them to Google's AI Paint artist tool or whatever. And they re— they, they installed— they, you know, they programmed certain styles of, you know, artistry, right, or whatever painting techniques. And so they ran these images, the Bored Apes, through this program and generated 10,000 Bored Apes using the artificial intelligence, um, you know, painting, right? And some of them came out pretty cool, right? They like look really cool, like even better than the Bored Ape, right, Yacht Club stuff. But, uh, I mean, I don't know where that—

he— the, the artist behind that, they weren't happy about it.

They can't do nothing though.

I, I don't know.

No, you can't. I mean, it's not— once it— whatever. So whatever, right? So the cool thing about that is he's keeping them really cheap, so you can get, you know, his version of the Bored Ape— Bored Monkey— I don't know what he called it. Yeah, he called it something like that. And, you know, it's only for like 0.1— 0— well, they're 0.01 Ethereum.

Well, they're in trouble anyway because the SEC is going after the guys for Bored Ape Yacht Club over whether or not that was an investment scheme or not.

So I don't—

they—

the whole Bored Ape Yacht Club, that's not just them though.

No, no, they're going after them and a couple of other—

yeah, but the thing about the really— the cool thing about Bored Ape Yacht Club is that they actually have a bunch of stuff, right? You know, they have a game that they're about to release. So I don't know, that's not the one that you're talking about though. The one that they said that they were like, you know, the, the SEC, Bored Ape Yacht Club, they're going after the Bored Ape Yacht Club, SEC. I didn't see that.

Yeah, that's in the news, was in the news like a couple weeks ago, and they're still talking about it because Congress—

news to me—

because Congress is trying to figure out who's going to control crypto inside the government. There's like all these agencies, right? And they're all fighting over which one is going to be the one to control cryptocurrency. And they've got all these bills, they're talking about splitting it up. I don't think they should split it up, personally. I think they should figure out, like, what it's going to be, because they're trying to say, oh, one agency is going to watch, you know, Bitcoin and Ethereum, another agency is going to watch altcoins, and the SEC is going to watch NFTs. I think that's way too complicated because they're not going to all work together, you know what I mean? It's just not gonna—

no.

And then, you know, they keep bringing up this, uh, central digital bank, the digital central bank, and what are they going to do about that. And in fact, I did speak to somebody that was on the board of the Fed, you know, and they were like Don't— he said, don't ask me, uh, what I think about it.

Oh, right. Yeah.

So I would— that was like, okay, I'm not—

you skipped over the— there were $2.7 billion spent on minting NFTs in 2022 so far, just involving over a million wallets. Yeah, that's, that's a lot of money.

So whoever's minting them, so the miners who are minting the NFTs are making a fortune. Whoever's mining all of that—

well, you gotta— when you create an NFT, you have to mint it, right? But I'm saying it's just an NFT, right?

But I'm saying you have minting and then you have lazy minting. So the lazy minting takes place after the sale. Some people mint before the sale, right? And that's what this is talking about. So when the minting process happens, all the miners who were in that network That's who they make money off of. That—

I thought miners are for when you're mining Bitcoin.

No, they also— that's how they mint the NFTs, through the miners. You have to get all the information out on the block.

Don't quote either one of us on that. I'm very— because I think you're not talking precisely. Okay, let's get past there.

Somebody's making money off of this.

Yes, the guy that minted the NFT, the creator, the artist.

They pay when you go— when you Like we minted an NFT. When we put it in there, you could either mint it, which way you make the person— or the person who pays for it mints it. When it gets minted, who makes the money? The platform, and they pay the miners. That's what I read.

I've never read that. It's new to me as well.

That's what I read. And then there was two big hacks this week.

Yeah, there was.

Nobad platform got hacked for $190 million. This other platform out of California got hacked for over $100 million, and then the FBI saying that North Korea did it. And then, I don't know, so who knows. And then in the news also, Tesla slash Elon Musk dumped a bunch of Bitcoin, sold it off, but who knows what they bought it for, but they sold it. And then there's a couple of other articles about New York and a few other states where they're having electricity, you know, brownouts, and they're starting to watch who's my— you know, who's using a ton of electricity for like mining Bitcoins. Cool. So that's kind of crazy. And also a lot of the crypto companies, fintech companies I mean, I read Facebook, I read Google, I read a lot of companies laying people off. Yeah. And cutting back on the hiring.

In tech, it's a huge—

yeah, tech is having a big fallout. Well, I don't know, not a—

not big, but yeah, no, I mean, they're just letting go a lot of people that from— I think from the pandemic, all the hiring that they did right after that to, to, you know, to make up for, you know, all the want that people wanted. You know, these companies needed websites, and, you know, so the people had to hire people, right? And so now that's all slowed down tremendously.

Yeah, with inflation, it's what I mean.

It slowed down. I mean, not just with inflation, right? But it's in general, businesses slow back down, right?

Um, a little bit, right? I wouldn't say—

I would say, I mean, you gotta make— you gotta make adjustments. If you hired 1,500 people and and you're not cranking out that type of—

right. But I also saw where like the revenue is down, like Facebook's ad revenue is down.

Everyone's down.

So there's a lot of the ad revenue on social is down. So they— that's where their most of their income comes from advertising. I mean, we getting stuff all the time now, like Google $500 off, Microsoft $500 off, Facebook money off advertising. 'Spotify money off advertising.' Get coupons every single day from these things. And then another article I was reading, a couple of them, they were talking about how cool the blockchain technology is and how it saves information, and that companies are looking at other ways of how to use the blockchain technology, like to use it for birth certificates and use it for other, you know, useful ways as a database, right? But then, you know, you have security because with the blockchain, things are everywhere on computers all over the place. So not exactly sure how you could put government documents or important documents with people's identity.

Yeah, I have no idea.

Out on the blockchain, or somebody builds their own blockchain That sounds sketchy. It's a little weird, but it's just— they were just talking about how the underlying technology could be the whole savior of the whole thing. I mean, today Bitcoin's at $22,900, which is way, you know, down from its high, what, almost at $70,000. And Ethereum's at $1,679. I think it was over almost $4 grand at one point.

So Doge and Shiba are up, so that's all I care about.

Yeah, that— yeah, you know, and that's the other thing that they were talking about in Congress is, you know, like I was telling you, splitting up. Like, and I don't think they should do all that. I think they need to get— have one agency say, okay, you're in charge of all of this, because it doesn't make sense that the SEC is going to watch NFTs and then the underlying Well, why wouldn't the IRS just have like a Web3 division? I don't know. Well, they can't even get taxes on your—

I'm just saying, like, if the Treasury Department, right?

Yeah, the, the Fed.

That's the IRS. It falls under the Treasury.

They're their own. They're their own thing. Yeah, the Fed is the Federal Reserve.

Okay, what's the Treasury?

The Treasury Department is over all of that.

It's over the IRS. Yeah, and then, uh, okay, yeah, so why doesn't the Treasury Department just create a Web3?

Well, they should.

That's not right either.

Well, I mean, they could take like the Central Digital Bank, right, whatever that is, right, and then create something within that that's watching all of these, you know, digital assets. Because now that they've, they've changed everything from, you know, from coins to tokens, now it's called, you know, virtual digital currency and assets. They're going after all sorts of stuff, like, you know, they're trying to load gift cards in there and other things that people are doing. And, you know, I think that they need to figure out, like, okay, well, what are we gonna— and you have FinCEN too, which is the financial, um, you know, the financial watchdog of all of the financial stuff. So they just need to figure out one agency, not spread it out over a bunch of agencies. It'll be just too disorganized because everything is interconnected to each other. Because an NFT is powered by Bitcoin and Ethereum or some altcoin, and then you're going to have that controlled by 3 separate agencies. They'll never get anything done. All they'll do is get the IRS to go after everybody to pay taxes on it, right? You know, they hired 80— they want to hire like—

my mom asked the question Yes. What's a digital credit card?

Oh, a digital credit card would be like Apple Pay. So you don't have a physical card, although you can get one, and it's digital. It's in your wallet on your phone. You can just go up to the anything.

She got mad at me the other day when I told her to relax. She told me I needed to be nice.

Mama Owings, no, no digital credit. You know, one day I left the office and I ran to go run an errand, and I was— I needed to get gas, and I was like, I got to the gas station, man, I don't have my wallet, but I have my phone. I said, wow, I wonder if I never paid with my phone at the gas station. So I took my phone, went up to the NFC thing on the pump, and it worked.

Done.

I filled up my car with my phone.

That's what my wife does all the time. I asked her what the hell she was doing one time, like, what are you— why are you taking a picture of the gas pump right now?

Right?

Like, what are you doing? And she said, I'm paying, sir. Right?

And it's crazy, you know. The, the NFC has been around forever, right? It's been around like 2014, 2015. That's when everything started. And even before that, you had precursors to the near-field communication NFC. You had the RFID chips, which people were stealing. There's a famous video of this guy with a backpack. He walks through a bunch of malls.

Yeah.

And he steals everybody's credit card. He goes up tells them. And it was on 60 Minutes.

Yeah, I know.

And, um, you know, it's kind of crazy because so they got rid of that, then they came up with NFC. NFC got to be much, much, much closer to the machine so someone can't walk up to you and, you know, press it up against your pants pocket and steal your credit card. Not gonna work, you know, that's not going to happen with NFC. And now NFC, everybody, when I always watch, like when I go somewhere to a store, I like to watch people in line because I'm in the business. So I like to watch people and see like, oh, how are they paying? Like, how are people paying at the gas station? Or I'm in line at Costco.

I've noticed since I started working here, I've been paying attention to that. Well, I don't know if paying attention, I guess I'm just more noticing of how exactly more aware of how people pay, different ways people pay. I mean, I know that there's different options available for people to pay, right? So, and then I look at all the different types of credit card processing machines and crap like that.

So many, right?

It's kind of—

ah, no, but you just see, like, very, very nerdy stuff. Yeah, it's very nerdy. I guess I'm a nerd.

Oh, we are some— definitely Revenge of the Nerds podcast right here, all day, baby. All we're missing is our pocket protectors. We'll say, well, how did that guy laugh on Ogre?

Listen, Revenge of the Nerds.

I love that movie.

That was an awesome movie.

Like, that's— all of them were good. I don't remember to like part 4 or whatever, but I mean, the first 2 were really good.

Yeah, they were really booger. I love a lot of good characters.

I thought it was— oh, I said Ogre.

Ogre was the guy on the other— the football team. That's right, he later became their friend.

Booger was on the Nerds, right? And Ogre was the jerk on the Jocks, right? Yes. Have you ever watched that, Samantha? Oh my God, you have homework. Oh, that's good.

I mean, you haven't watched—

Samantha's 26, everybody. Backstory, like, so she, she's actually 22 or something like that.

I don't know how old she is.

She's very young.

I don't know.

And She's so— she's like, a lot of the stuff that I talk about goes over her head, just like when Allen's talking about stuff goes over my head. So, but I'm like, like, that's something sometimes because it's like cult classics is like— she's like, nah, that's a movie.

Listen, so I mentioned movies to you and you're like, what movie? What do you— I don't even know what you're talking about. I'm like, like Ferris Bueller's Day Off.

I watched Ferris Bueller's Day Off.

Samantha doesn't know it.

Oh, she has no idea anything.

We gotta get Samantha. She hasn't even watched Star Wars. Star Wars. I don't know, we got to get Samantha like a movie education. Breakfast Club, you got to watch all of them.

She's watched that.

Okay, okay, watch The Breakfast Club.

All right, nothing wrong with The Breakfast Club.

Oh, so the other thing that's going a little crazy in the news is the Web3 and the metaverse, right? So is it time for you to get your Web3 domain? Domains, maybe, maybe not. I mean, GoDaddy doesn't sell it. They don't sell it at any of the other, like, normal—

I've seen GoDaddy has a couple extensions like .io and stuff like that, right?

But they don't have the, like, like, uh, blockchain, you know.

But so there's a company that's selling, um, that you're actually able to use those domains now.

Yeah, but you can use it for your wallet. You can't make a—

no, you can make— sir, you can make a website with it. You can host it through You can't— there, it's just not— it's not readily accessible, or like, that's not the word. It's not common usage. I think it's not common knowledge, right?

Do you need a different browser to access it? No. Okay, I don't know. No, before you couldn't make a website out of it. Yeah, you can. Okay, so that's pretty cool. Yeah. So is it time to do that? Let's see.

I I mean, if you own, like, if you're, uh, you know, if you're into the blockchain or if you're building out, you know, the Web3 universe, you know, I guess, you know, the metaverse, I mean, right? I mean, I guess, you know, you would use, utilize something like that, right? But, you know, I don't know, for, for like a regular business, I don't really see the usage.

Well, unless you plan on opening a store in the metaverse, right?

Which is in trouble.

Did you see that? Yeah, that's kind of crazy what they're talking about. They're worried that people might spend too much time in the metaverse.

Well, I know I'm talking about the, the same as real estate in the real world, right? The real, the real estate boom inside of the metaverse has taken a big— there's nobody buying stuff or creating stuff in there anymore. And I don't, I don't know what happened. I wonder what—

well, about the price of coins, you know.

Ah, but it's cheaper.

No, they raised the prices.

Oh, did they?

Yeah, they still want to make their money. I mean, you know, there's a lot of companies went and bought into like these malls. We saw— what was that website where you can see and it shows all the retailers in there? Decentralized Land, right? Atari, McDonald's, they already have their logos.

I mean, every major brand that you could think of is already started or has their store inside of the metaverse.

Yeah, they spent tons of money on that.

I mean, Adidas, Nike.

Yeah, but nobody knows what they're going to do with it.

So I mean, I think they have a good idea of what they're— so I don't want to— I'm not trying to argue with you on this part. I'm not—

so I'm not having an argument.

No, I'm just saying like they have a good idea what they want to do. Like I've been— so I was reading about like how these other brands and what It's just that the— us as a people, right, we haven't adopted that yet on a, like, a mass scale.

Yeah.

So it's not like every, every customer is going to the metaverse store to buy their sneakers, you know what I mean?

So it'll happen.

It is, it is going to happen. Like, you know, they're just preparing for it because when that comes— because then just imagine, like, all the, the content and all the stuff that they're going to be able to have. In preparation for that, you know what I mean? Like, I've seen a couple of rollouts with Adidas that were really cool with the new avatars, you know what I mean? The Ready Player Me guys, they were dressed in full Adidas tracksuits, you know, they had the Yeezys or whatever on, you know. It was— it's just cool stuff. And I think, like, for the younger generation, that they're really ready for that, right? People my age so-so, kind of, we're kind of on the fence. The people that are above, you know, my age group, they're totally like, no way, you know, my dad is never going to put on a pair of Oculus glasses. He's never going to enter the metaverse. He does not care. And he wants people to go outside. Right?

Well, you know, that's the, that's the big rub on it is gonna— is that gonna replace like what's going on?

But I'm also, I'm like, I'm I'm super nerdy. I'm nerdy and a dork.

I think it's cool for like a game and stuff like that, but I think it's kind of messed up. Like, if you're gonna go, oh, I'm gonna put on—

this is where you're gonna learn—

I'm gonna put on this Oculus and go on a date with some girl. Like, I don't know, go outside, bro. It doesn't sound too good.

I mean, it'd be cool. I could see how like, like, like for a first date. Yeah, that sounds like a great way. So, you know, like of like introducing, introducing yourself.

Oh, the same as doing a FaceTime call but in 3D.

It's nowhere near a FaceTime call. You're walking around together inside of a place, going to an art gallery inside of the metaverse. Okay, that's kind of cool. Or you're going to see a play, like, that's kind of cool, right? For the first time.

I'm just saying, like, I saw a thing where they want to have a concert and you can put on the goggles and then you can watch like That would be cool. Like, I could see Leonard Skinner, like, or Led Zeppelin. I know you don't like all my things.

Oh no, Jeff Rotella is cool. Okay, um, I'm just not, you know, I'm just, I'm a hip-hop head, man. Okay, Wu-Tang forever.

Let's— so we can see like Ice-T rap.

Big L's.

What about like Ice-T rapping?

I love Ice-T. That guy's the OG, man.

He's the OG. He is the original.

He is an OG.

He's the original gangster. No, so there's lots of stuff going on with crypto, and we'll see how it all shakes out. I mean, crypto is still being used transactionally when you go log in on the coin sites and you want to— you can track the transactions, like what's going on. There's a lot of buying and selling.

I mean, how much was it?

We looked, we said billions. It was $20 billion like a day. And it's big.

People are buying houses with it still.

People are trying to buy real estate with it. A lot of international buyers coming into the US to buy real estate using crypto assets, or they're using it— and they use it for international transactions, large transactions. People don't— people don't know.

Like, I think I bought a Rolex. The guy at the jewelry store, how much did he— did he—

60 grand. 60 grand., right, to buy some watches.

So anybody who says that no one's spending their crypto, you tripping, man. You stop lying to yourself and going spend it.

And we're working with merchants all the time. We had meetings this week, 3 meetings with companies. One company is selling— sells crypto through this like peer-to-peer network. We don't understand how that all works, but apparently you can pay the per— like, I could sell my crypto to Justin and he can pay me through this peer-to-peer network, but they— the people on that network don't have a way to take credit cards. So we're looking into that, how we can help them. We talked to another guy that wants to launch a, you know, like a Bitcoin ATM, which are out there now, right? But you have to go to the machine and physically put cash in, right? They want to have it where it's on a multifunctional kiosk and you can buy the Bitcoin and use your credit or debit card. We don't know if there's a business case for that, but there possibly is. And they want to do a bunch of other stuff on—

I mean, that's just like a Bitcoin ATM, isn't it?

Yeah, but with a Bitcoin ATM, you're putting cash in it. Those machines don't spit out cash, they just accept cash.

Oh, okay, that's right.

Yeah, the Bitcoin.

Or what do you— do you think that people— so I think it's way too early for, you know, I'm all about innovation.

No, no, like companies like that, I look at them and I go, you know, it's cutting edge. Yeah, right, it's cutting edge. And what are you going to do with it? So one of the uses was— I can't give out that because we signed an NDA, but one of the uses for it was to put it in a specific place, and then that specific group of people or that company who was going to put it out in their facilities was going to have their own stablecoin.

Oh, okay.

So you were going to buy these coins and they were—

they could be used in that, right?

Then you'd be able to use them in this business or businesses. Right? And they would, you know, they would be worth, you know, you put a dollar, it's worth a dollar, but then you have this like digital currency to use that would just give it like a cool factor.

Real quick, everybody, before we forget, please tune in to the 100th episode of the B2B Vault Payment Technology Podcast. We will be giving away 3 awesome prizes and other special giveaways, but most importantly, you could have a chance of winning this Meta Quest 2, also known as an Oculus, by entering the giveaway on social media. You can check us out on Facebook, Instagram, Twitter, TikTok, LinkedIn— what else? Everywhere. YouTube, the website, B2B Vault. But yeah, please follow us on Instagram, Facebook, Twitter, and TikTok. We're trying to get our followers up. And subscribe to the YouTube channel at B2B Vault. The Payment Technology Podcast. Head over to b2bvault.info, fill out the form to get in touch with Allen or myself. Or if you want to sponsor the podcast, there's also a form for you there to fill out as well. And if you're interested in a merchant account, there's a beautiful little button on top that says Apply Now. You click that and fill out the information and boom, you got your merchant account, right?

Or you can text book to 954- 827-9818, and we send you back a link, and then you can book an appointment with me and Justin and win the prize. August 11th, tune in, 3 o'clock Eastern time.

Join the B2B Vault community page on Facebook as well, right?

Because we're going to be live everywhere— Facebook, LinkedIn, Instagram—

well, as many places we can.

And then you can always listen to the recording after.

Yes, and the YouTube.

Also go to our social media. We have special posts on there that we're going to pin to the top of the page, and we're going to set— it's going to have our 100th episode announcement. You can ask a question there, right? And then if we read your question, you could win special prizes that we're going to give out. We'll have something cool for like the best question, right? You can ask a question live in the podcast too because we can see the chat for the live people going, you know, when it's live we'll be able to see the chat.

Yep.

And that also, you know, you can win, you know, you can win. We're going to give away some cool stuff.

So you got that shirt, you got the Oculus, um, a $50 gas card, no, $100 gas card, and then a $50 Amazon gift card, right?

Plus all kinds of other cool swag, B2B swag.

Yes, sir.

And maybe— and we have one special prize for the best question that somebody asks us. Okay, we don't know if Mama Owings can win that.

She can't.

I don't know what's in the rules.

I'm telling you right now, you can't.

Maybe we'll send your mom.

I'm saying my mom— I'm telling no to my mom for all the time.

Can we send her a hat? How about a cup? I'm okay with that. Okay, we'll send your mom a cup, and— but she has to take a picture and send it back.

Just take a picture with the hat, the cup. Insured, all in action.

Okay, set your mom up, swag bag. I got it. All right everybody, I hope you guys enjoyed FinTech Friday. FinTech, FinTech, FinTech, FinTech, FinTech, fun tech. Rocky, what do you say? Rocky, he slept through the podcast.

Dude slept through the whole pod. He's been sleeping all day.

He didn't even— he didn't even have his podcast snack today.

Podcast snack.

Hey, podcast snack. He likes these. Chicken jerky.

So send them in if you got any. But anyway, thank you for everybody tuning in. If you didn't tune in, you missed another episode of FinTech Fridays. Catch us next week Friday, August 12th.

No, next week's not August 12th.

Yes, it is. It is the 5th.

Today's the 5th. Oh, so next Thursday is the— next Wednesday, is it Wednesday the 11th? Thursday. Thursday the 11th. And then the next day's FinTech Friday. We'll talk about all the people who won prizes. Hopefully they claim them. So they got to claim it, otherwise we'll have to pick a new person.

Have a good weekend.

All right, peace out.