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Welcome back. let's turn to apple and goldman sachs joaniining as early as next year. cnbc's villem marks joins us with more. >> this is according to "the wall street journal." this card will be branded as apple pay and it will use the apple pay service technology underneath it. if you look at what apple is trying to do, increasingly trying to get involved in this consumer finance space. they seem to have done that with apple pay. this is their first partnership with goldman on this. they previously partnered with barclays. this may be goldman trying to get into the consumer space, their first...

A pretty strong entry into the consumer space. i mean, from what we have been hearing they have been putting a lot of man hours into this project. project titan. and currently have a secretive lab working on it in sunnyvale. >> what are the challenges 0 bring a vehicle to market for a company like apple? do they have to pick up a partner? >> they could. from we have been hearing they are having a bit of a roadblock towards manufacturing so they might have to partner with, say, a bmw. they were in talks with bmw a few months ago over a possible partnership and they could return in the near futu...

You know, the real estate business is really built on trust and who you know and knowing those sports and the area. don't forget, david versus goliath. david won with a well-placed, very missile-like shot against those big guys and that's what businesses need to do especially small businesses. >> so, jeffrey, when you were cmo of kodak, how much did you pay attention to small businesses who were getting into your space, or were you just so big they didn't even hit your radar? >> it depends on what the business is. in the b2b space that was much more hands-on. consumer space we could blow it ou...

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Business is really built on trust and who you mo and knowing those sports and the area. don't forget, david versus goliath. david won with a well-placed, very missile-like shot against those big guys and that's what businesses need to do especially small businesses. >> so, jeffrey, when you were cmo of kodak, how much did you pay attention to small businesses who were getting into your space, or were you just so big they didn't even hit your radar? >> it depends on what the business is. in the b2b space that was much more hands-on. consumer space we could blow it out and i could spend billions...