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What's Going to Happen in the Netherlands?
I feel like this reticence to embrace the obvious future with respect to payments, it's going to put apple on the wrong side of history. The idea should be, grow participation. Don't grow your rake. Grow participation. And i get it. I know there's a team of accountants at apple that are saying, look, if we can extend our sort of 30 % rake on i a ps to 20 25, we're going to make x, many more billions of dollars. It's five billion a month in cash club, sure.