look out, according to consumer union buyers using the wireless devices get fewer legal and financial protection. joining us now, richard salvo and founder of the richard salvo consulting and former managing director of morgan stanley. good to see you. >> you, too. >> arthel: what they are doing is they use the cell phone, mobile device, e-books, et cetera, to charge to your phone bill? >> that is correct. >> arthel: really? so you are saying that is not necessarily a good idea? >> it's not a good idea. it's convenient. but since when is always convenient necessarily a good idea? we go along and use our phone. get an app, and download, buy cup of coffee or whatever, any services. but unfortunately it doesn't carry the same consumer protection law as your credit cards. so the demand is not there yet, amid the technology that is needed. it doesn't connect yet. >> arthel: so you are saying if you are going to use the mobile payment, the mobile
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