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… financial risk. They reached out to friends or relatives or family to borrow money when times were tough. And so they … decisions with their money. The FCC provides a lot of free and we think pretty good tools, tips and resources on … health, work, relationships. We ask our friends and our family for health with billing, with health work …

… often pay 6% or more to send money abroad, often to support family and friends. They believe this is a key way to … email. It should be instant, should be low cost, maybe even free. That's a result of innovation. And it's the who that … with everything Nick said, with the exception of maybe free <laugh>, Nick Catino: I said low cost or free. I Grant …