mastercard stopped processing payments, stopped doing business basically in russia. what's the effect of that? >> absolutely. this is one of the major conduits for international finance not just for the united states, but for the world. as everyday russians are trying to use services for payment that include those remember doars, they will find it difficult to process those. we saw this yesterday in the recent days related to the metro systems in moscow and other places being affected about it services with apple and others. with the swift sanctions and the visa and mastercard finish use patch up it will become more frustrating for everyday russians. jon: the russians are very good in cyber warfare. they punch above their weight