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… that supports the initiative — policies, procedure, rules, regulations, documentation, administration. All those … in the development of the chip. There were obviously rules, policies, processes, but I think one of the other … in less than seven years. That's the retailer's kind of rule of thumb. So it takes you seven years just to get them …

… (Liz) Dempsey: If you made a payment today, thank a rule. Hi, everyone. Welcome to The PayPod. I'm Liz Dempsey, … payments keep getting better and better is because of the rules and by-laws that support them. But how does a payment rule get created? Once it's created, who governs it and who …

… in the market in a regulated space, all playing by the same rules, that security, that trust in the system is there. … want to see is those entrants not playing by the same rules and introducing a level of risk that undermines that … coming together, of the participants playing by those rules and being guided by the regulations in place, that can …