The Future of SAS and FinTech

A lot of the kind of financial services infrastructure is now able to be built into software that folks will use on a daily basis and I think as a result what we're seeing is the ability to take that that workflow tool. Every building in New York is being managed using some software product they're trying to figure out how you collect rent, manage maintenance requests or do move-ins. So this one software product actually gives you access to three different kind of core customers for financial services that are pretty well understood so if I said a consumer facing credit card you know what that's worth to you  a consumer kind of uses it as their primary spend card and built rewards is a company that's