 1.9 billion transactions were declined in 2015 that are valued at $146 billion. This is a huge problem, especially when you consider the fact that the lifetime value of a credit card holder is approximated between $4,800, $3,600 to $48,000. And if you consider the fact that 475 million customers worldwide can switch their card and or use another store. So the cost of one decline transaction goes way beyond the last sale. Can we do something about this? The truth is that the problem of the payment, like many other problems, the payment industry is a complex problem. From the customer to merchant to, let's drop it, because nothing ever goes wrong in a split leg. From the customers to merchants to payment gateways to payment processors to issuing banks and acquiring banks and to the credit card brands, there are so many players and because of that, there are so many different things that can go wrong. There are two sides to this problem. There are two big players that needs to know about this situation. Actually, it's a big disadvantage to them. One, banks and the other one that are merchants. In split leg, we have this fantastic opportunity of working remotely. So I had this opportunity to work remotely in Toronto for about 35 days. We actually visited TD in downtown Toronto and actually visited a couple of data scientists working there. For every single problem, TD and other organizations have an army of data scientists to take care of the problems and have army of engineers to optimize the situation. But the story for merchants are very different. Merchants, as we mentioned in the city talk, is that they actually lack the control over the payment process. There isn't really much that they can do about it and at the same time, they really don't have access to the data relative and absolute. Even if you have your data, you really don't know how you compete against your competition. But there is hope. Split leg sits between the merchants and the rest of the payment infrastructure started from payment gateways. And as a result of which, we have access to the payment method data, credit card information, debit card information. We have access to the transaction data, the time, the date, if the transaction was successful, the currency, the information like this. And also, since we are working with more than 100 payment gateways, we know a lot about the performance of these gateways all over the world. At the same time, we have data about our customers as well. As a part of our responsibilities as a split leg, I'm actually investigating the important challenges like the decline transactions, the important challenges in the payment industry, translate them to data problems and see if you can actually address them with the data that we have at split leg. This has led to a series of articles that the feedback and the appreciation that you got from the industry has gone beyond what we actually expected, showing that there is a need for this type of analysis. At the same time, we monitor and we are excited about the great work of the other organizations, likely, recurly, and we learn from them. We also understand that a couple of articles on a blog is not going to solve a $149 billion problem. Yet, we hope that small steps in the payment process can lead to a better payment experience to merchants and our customers. Thank you.