HA! yeah, relate -- i've not found any startup service yet that can layer on a qualitative support to their service because they won't train, pay or get good people to be super on it, people need to have interns at zappos and maybe then we would get great support on these crypto services - so far with cryptopay apart from a few little verification things it's rolling pretty good -- do you know if the xapo card is supported in apple pay or are you an android user? -- i'm hoping this area will heat up and i'm looking to get some banking in the EU as well, especially an account in estonia to go with the e-residency card i have.