 Well, welcome to the full day of so excited to have all of you here. We'll talk a little bit about that later. We had a great turnout yesterday for the half day, but we're going to go ahead and run through some things, announcements, et cetera, that we covered yesterday. We don't want some of these folks here today. First of all, super excited. The registration is at 102. Huge turnout. We're really glad to have you all here. Second, I want to mention and reiterate, we have the code of conduct, any harassment and any discrimination policy up on the website. You can go. It's at this link. It's linked from the home page. We can review that. We can buy, buy it. I want everyone to have an enjoyable time at a professional conference. And related to that and everything else that you might question, you might have, et cetera, the folks in red shirts, there's one over there. He's in a different red shirt. Don't talk to him. But they say staff, come on the back of them. There's another one over here. We can answer your questions. I'll probably be wearing one later on today. And answer your questions if you have anything you need to report, if you want to know where you can make a phone call, all these different kinds of things folks in red shirts can help. The Wi-Fi, that's the SSID and key. They're down here at the bottom of the next week's slides and he's just still trying to pipe. The main thing I would mention again is just that there's limited capacity there. So maybe hold it to one device on the Wi-Fi. And if you're like updating, pulling in some Starcraft updates or something, maybe do that on the other end. These are our social tabs. So the main conference, Twitter handle, which you can mention. And then the hashtag that we're using for the conference. So as you tweet about this, as you talk about it, please do. We really want to grow this community. We want to put on an even bigger conference next year and do this again. And we need to get the word out. It's been difficult. It's been challenging, I think, to gather this community together. And we want to do more of this. And it's been really fun to be with our people yesterday and looking forward to it again today. There's a call workspace. It's actually called the Ballroom. It's out here. And you can ask folks in the red shirts where that is. But it's a nice quiet space off of the lobby. You can use it if you need to sit down and work on your laptop and make a call. And there's the social again. Is it going the wrong way? I also want to mention this door. It's a little awkward to go in and out of. There's another door up there with stairs down to the lobby. And actually the elevator also is up there. So if you want to internize it through there, you can also come down here. We won't judge you. That's totally fine. But if you want to make the street entrance and exits, there's an entrance exit up in the back. We are having the sessions recorded. We really want to sell people that beforehand because we wanted them to come. But we are going to get them up there. And they're going to be on conference. And they're the sort of standard creative comments reporting license that conference uses. And if we're starting to get them up there, we will let you know when they go live. And then the agenda is up on the website. Quick rundown on Bunch. It's at the pit restaurant. For those of you that went to happy hour last night, it's about, you can basically see the pit from our office. So it's about close exactly the same direction. It is about the same distance. We had, it's about a 10 minute walk. We encourage you to walk. It should be beautiful today. But we also have lift codes for anyone that needs them. And for going there and coming back. And we'll have folks with signs up there who can both direct you and groups walking over there. And also some of the sign if you want to take a lift. And finally, for announcements, I just want to thank our sponsors again. We talked about them in depth yesterday, but ED&T local bank is still doing actually some unique things in the payment space. They're just down in Wilson, North Carolina. We've been enjoying interacting with them. And they were kind enough to sponsor the conference. Google Pay, as we mentioned yesterday, our support for, extremely support for Google Pay is now going into private data. So if you want to get on that list, help us test it out. Definitely let us know. Sickage is our PCI USS QSA. And we're super excited to have them here. We've referred them out to some of our different customers and heard good things back from them as well. So definitely chat with Sickage. There are people too. They get all of this stuff and deal with it regularly when they're running audits. And then, of course, Spreatly, we have been super excited and super glad that we can sponsor and put on this first year of the conference. So I've been giving you all these announcements. It's probably going to be good to introduce myself. My name is Nathaniel Talbot. I am the CTO and one of the original co-founders of Spreatly. And I wanted to take a few minutes here before we get started with the talks that you all came to see and just talk a little bit about why I'm excited to put on this conference. Why I'm so excited that Spreatly has kind of gotten to the point where we can go and put this on. And a little bit of the history behind that. Before we do that, though, I want to send a thank you and a shout out to two people that have really helped make this possible. One is Helen. And you will see her out there. She has been tireless. The whole team has contributed, but these two people, especially Helen, has been tireless in coordinating this, making sure we're all fed, making sure we're all in the right place at the right time, and all this stuff gets where it needs to go. We want her to be willing to do this again next year. So if you enjoy the conference, please stop by and let her know that you enjoyed it and appreciated it. I know that she will appreciate hearing that from me. And I also want to send a shout out to Peter. We keep joining just back in February. We said, we've got this conference thing we're working on, and we don't actually have anyone signed up for it yet. And we're kind of hoping you, as our first sort of marketing person, that you will be able to help us get attendees and registrants. And we even gave him the option of, if you want, you can just push it back a year and we can wait. If he was super excited and he was super game, and most of you, almost all of you, are here directly or indirectly because of his efforts. As he said yesterday, he's the guy who emailed you. And he emailed you again. But I wanted you to comment, I want as many people here as possible, and Peter made so much of that happen. So I want to thank you. So imagine that you are a Sumerian shepherd. So Sumeria was this very early civilization in the area of modern day Iraq. And some really interesting things rose out of the Sumerian civilization. If you were a Sumerian shepherd, say you were a really successful one. As a matter of fact, you kind of had sheep coming out of your ears. You had more sheep than you knew what to do with. And right around you, you had neighbors other folks doing agricultural things around you. And over the hill, there was another farmer who was growing meat. And you knew you could get bush with a meat. And you wanted to do a business deal. You're an entrepreneur trying to, you need wheat. He needs sheep. So let's, this sounds kind of like a game at the time. But he, you want to figure out how to do this deal. But the wheat's not ripe yet. You need to finish raising the sheep. But you want to go ahead and agree. So you need a record of this. So you both go down to the local town and you talk to the Clay Artisan there. And the Clay Artisan helps you out and actually goes and helps you out with these, craft some of these clay tokens. So each token, you would have tokens to represent the different commodities. So you would have specific tokens for wheat and for sheep. And they would have been in different denominations. So one that represented one sheep, one that represented five, one that represented 10. So you get these tokens, you get a fire, and then you do your deal with your farmer for anything. And you kind of get your pile of tokens that represents the deal. So say it's 35 sheep for 28 bushels a week. You need to get piles of tokens that represent those amounts. And while you're doing that, the Clay Artisan is out there crafting a hollow clay ball. And when you've got your deal done, maybe you craft two of them and one for each of you. He actually in the outside of the clay ball, he goes in and marks the terms of the deal. And then there's a hole in the top of this clay ball and you each take your representation of the amount that you agree to and you pour it into the top of your clay ball. He seals it off and he fires that clay ball. Now you have a representation of the deal. And if there's any kind of dispute later on when the meat brightens or when the lambs are mature, you can break those open if you need to and compare notes and someone else can arbitrate that dispute. So the fascinating thing is that this is actually one of the earliest examples we have with payments technology. These are the prototypical payments engineers trying to figure out how to solve problems that they've had in their businesses and their lives. And the things that stop them, right? So those tokens, those clay tokens, they eventually became coinage and these are shackles. And but we're all super familiar with coins. Here's the thing that we use every day in our life and we can trace them back to these clay tokens. And that clay ball, that actually became what we think of as a seal or sort of the modern representation. That would be a signature. Hey, I agree to this. This is, I put my name on this and you can use this as a future record of the deal that was done. So these are like things that we take for granted. But it actually goes even further than that. Hit this. So the clay tokens have these representations of like different amounts of commodities. That then becomes this ability and folks take that and they start making records of counts and accounting in clay. And then you have these numeric systems and so you get sort of the first passive numeric systems. That then becomes written language and cuneiform. And so out of payments technology, you end up with writing. You end up with civilization. And it comes from this desire to be able to do commerce and to do it efficiently and to do it well. So I take two sort of conclusions from this. The first one is that payments technology and payments engineering, it actually matters. It matters for the world. It matters for history. It matters for civilization. Commerce is one of the fundamental ways that we interact with each other. Two people with things of value that they've created. Being able to change that to mutual benefit is huge. And it underlies our ability to relate to, to have lots of wonderful things and food and other things to be able to produce in specialized ways and then exchange that production. And payments engineering is actually, and payments technology is a key part of that. And it has the potential to impact the world like on an ongoing basis in ways beyond just payments and commerce. So I'm super excited to be gathered here talking about it as a thing in its own right because I want to be mindful of it. I want us all mindful of it. I want us to be able to talk about it and communicate about it and say this is something important that we're doing. The second conclusion that I kind of draw from this is people don't get into payments engineering and payments technology on purpose. We just have some shepherds who wanted to like, a shepherd who wanted to trade some sheep. He wasn't trying to create new payments technology. He wasn't trying to be payments engineering. And when we started screening, we were trying to do payments technology and we just wanted to make subscription management better. We just wanted to be able to charge 40 bucks a month for software as a service. That was our only goal. And so we went, we did that for three or four years and had some success. Also had plenty of struggles and we accidentally created payments technology inside of that. We stumbled into it. We started doing it and eventually we pulled that out and said, oh, maybe other people will want this. Maybe we can pull this out and we pivoted the company and focused it in on payments technology, but that's not where we started. We didn't do it on purpose. I mean, not that smart. And the challenging thing was when we started doing payments technology, especially since we didn't do it on purpose, we had no clue how to learn about these things. Where do we get information? Where's the community? Where are the other people who like us have stumbled into doing payments technology and payments engineering and payments product? How do we find them? Where are they? Where's the community? And I want to take a little diversion here and talk a little bit about my journey to the programming language Ruby. So this is a back in Ruby comp shirt. I had this shirt. This is not a picture of my shirt. I don't have the dinosaur stickers, but back in 2001, I had just started getting into Ruby. It was actually in late 2000. And I was super excited about it. The first English language book about Ruby, the Ruby program language was in publish. And I found the mailing list and the English language mailing list, even the creator of the language was Japanese. He would get on there and he would talk about the language. He would answer questions. The folks who wrote the book would be on there. It was an amazing community. I learned so much and then eventually we decided to put a conference on. And we gathered lots of people from all over the place into that conference. It was amazing. We even managed to pull the creator of the language over from Japan. That was one of the reasons we put the conference on and hang out with him. And after we continued on, I went to the first governor of both Ruby Confidences consecutive. I was a little bit of a fanboy, okay? But it changed the course of my career and changed sometimes the course of my life. And I learned so many things from that community. And when I started doing payments, I couldn't find the same thing. And so I think part of the reason for that is that we don't get into this on purpose. We don't go out and say, oh, I'm doing payment technology. Why don't you realize we're doing it? And so we have a common community around it. And one of the goals of Payments.Pan is to really bootstrap that community. We want to gather folks in and we want to start building a community of people doing payment technology, payments engineering and payments product. And my request to you is that as you go through the conference, as you hear the great content that our speakers have prepared, as you spend time networking with your peers, maybe this is the first time you've been able to be in a room talking about your job and you don't have to explain the difference between a payment gateway and an emergency account. That's kind of amazing because, and you talk about like payment networks and the other person doesn't play to it. These are people and I want to figure out how, I want you to help us figure out how, what's next? How do we build a community out of this? Is it a slap? Is it a podcast? Is it webinars? No, it's not webinars because there's no way. Pardon me, maybe it's only like a webinar but we're not calling it that. But what is, how can we build this community? Is it a mailing list? Do people even do mailing lists anymore? I don't know, but we want to discover that. We want you to interact and tell us like what we can do that would be helpful. Is it local meetups? Can we find enough payment people in local areas to work together and build a community that can drive local meetups? Maybe if we spread the word and find them and we tell them, well actually you're doing payments engineering. You should come hang out with us because you can learn things from us and we can learn things from you. So in summary, just my two conclusions. First of all, this stuff matters and we can have an impact for good and we can have an impact for ill. We need to be mindful of what we're building of the longer term impact of the things that we're doing and thinking about that and thinking about the kinds of impacts that we're having as we're doing payments engineering and it's great to be able to gather and talk about these things. And then secondly, help us build this community. Help us figure out what's next. Help us fill in the details of how this community flashes out over the next year and over the coming years. So now I want to welcome John Duff up onto the stage. He's gonna get set up and speaking of community, one of the, I think the best examples of open source payments technology that we've had to date has been active purchase and that was a huge impact for us at Screeblead. So I'm really psyched to have John come up and talk about the early days of payments at shop.ly.