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so mark what do we know about this i mean many people already pay a monthly fee for iphones or or apple hardware through the um through the phone network operators now apple would be doing this directly matt its nice to see you thank you for having me so right now youre right you can buy an iphone through your carrier or through apple and split it over installments whether thats 12 months or 24 months this plan will be different in the sense that this will be a subscription a monthly subscription that is operated through apple through icloud similar to the app store and youd be able to pay monthly its unclear what that monthly fee will be at to this point but it wont simply be the 12 months or 24 month plans that you get through your phone carrier today itd be something like subscribing to apple music or apple tv plus so um the beauty of apple music or apple tv plus is every time they make updates i get them immediately as a subscriber or the consumer gets them immediately as a