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hey this is jared and im a life preserver for cash flow and today i want to talk about square um something thats been fairly new recently uh we know as of last summer uh customers who are using square were actually creating two separate complete databases of inventory uh one that was for crack cash and one that was for credit card which is a huge pain in the butt um because then you have literally you have to choose cash or credit card before you even ring the customer up which creates a lot of problems and confusion um so thats how they were kind of implementing the cash discount program uh which kind of that in itself is is breaking a lot of rules and compliance issues with visa but more recently what theyre doing and what weve seen is theres a line item that you can add uh when someone pays with a credit card uh basically what youre doing is adding a lot in that adds to be percent or four percent to the transaction fee and that is also violating visa rules we were told by a