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well the gift card industry uh the statistics out there is that its a hundred billion dollar uh industry and I think thats just us-based so globally its probably a lot larger uh one of the things with the gift card numbers is that theyre kind of skewed in a way because um people are buying gift cards to say get gas you know to get discounts off of purchasing gas thats what they do at grocery stores some people redeem points or miles and they get gift cards so theres an artificial inflation in the number of people actually purchasing gift cards so when you hear billion doll US market space is probably a lot lower of people actually buying gifts so what we think is that you know based on our numbers and gift cards.com over the last 10 years we sell about two and a half gift cards per customer per year the drawback though with a gift card is that it takes time you know usually holiday based or event based what we think is that people will switch to a gift credit product like ours an