regardless. when you meet with a cuss dorm and you set up a program or a regiment to get back in shape or lose weight, whatever, you deal with it in a timeframe. guest: absolutely, gentleman we have short timeframes, people want rewards, instant satisfaction or they give up and if they have a long-term goal, that is when procrastination sets in. so, a lot of my clients we have weekly goals and an ultimate goal. my office is packed with super motivated people, bathing suit season is around the corner so they have been watching their goals each week and they are motivate bud enjoy they are in the home stretch and they have their eye on the prize and they are in the giving up. neil: thinking of bathing suit season . i do not want to pursue that analogy. but, i wonder about your take on
guest: the ten biggest bangs do but the other 90 banks, the mid-sized banks that provide the funding in america for small businesses and so forth they have just debit cards and it applies to them but it does not apply to 7,000 other banks. neil: they were turn around and, say, well, this prevents bill s bank from sticking it to the average joe. guest: the way this works on a debit card the merchant pays us the fee and if they don t pay us the fee the cuss dorm in some way will pay it, he will get less service because there is no revenue or he will pay the fee in another way. this is, the interesting thing, this is wal-mart and target making $500 million more in profits on the back of the little guy. that is what it is. neil: where do you make your money? you don t have credit cards? guest: we do not. it is our lifeblood.