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Gaby Lapera: The whole way that payment processing works is, you have four distinct parties involved. You have the issuer, the acquirer, the consumer and the merchant. Do you want to talk a little bit more about that, Maxfield? John Maxfield: Yeah. You know when you talk about, what are payments, or, what is payments -- I dont even know, to be honest with you, if thats a plural or singular noun (laughs), but lets say its plural because it sounds better. So, what are payments? Payments are basically just what it sounds like. You have me, like, I go to a store and buy something with my credit card, so Im a consumer. Then you have the store, which is the merchant, that takes the transaction. Then, I have my bank, and the merchant has their bank. And what the payment system does, companies like Visa, MasterCard, American Express, is they tie all of these things together. They provide the technological infrastructure underlying that. So, when I go and pay, they take the money from my