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I think weve seen a shift in the past two or three years that is really accelerated in 2017 towards technology light distribution I think the biggest change was recognizing and appreciating that this pay fact thing isnt just a blip on the radar this is the new model for distribution and payment acceptance the portfolio for the ISP and pay fact market is growing at ten times the rate that the portfolio and the traditional ISO and Bank channels growing as a result I expect to see that the traditional ISO will disappear that said I think most of them are many will transform into finding other ways to provide more value but theyll become painful taters raya sees themselves in a sense the client focus that we have as more ISPs and bars come through our doors is going to lead us to delivering solutions in that space payment facilitating facilitator model is its something that you kind of have to do and in the future you have to find a way to make you the underwriting process has to be ab