good morning. >> good morning. >> i first saw this coming. when i first came out i thought, that's not right. >> there was a collective ugh from everybody, especially in what i do. these prepaid cards are very, very expensive. outrageously expensive and dangerous. if you think about how much you would put on a prepaid card in the first place, $100 there, $200 there, $100 a year in fees? a startup fee, a monthly fee, activity fees. the fees are outrageous. they didn't have a lot of people sign up. >> yeah. have you to wonder, who's getting thee fees? who's making the money? well, you have people's faces on it. that's has to be part, and the banks. what about cartoon cards? >> some are obscure, and like paul frank, we know those designs very well. there's kiss, for example, the rock bond has had a successful card for a long time because it offers concert promotional type stuff. it's about, okay, you know they're geared towards kids. they want to be cool. they want to go around with plastic. they can't get credit cards so here's a cool way, they think, to get a card pu know, i mean,