the use case vision: spring break, concert tickets
19:00 – raising money via Haiti 
21:53 – have to register as regulatory
22:09 – why did you start venmo
22:35 – summer programs/intern at upenn
23:15 – whats the plan to grow?
using Penn campus as beach head, then grow; responsible growth
25:00 -fraud protection
26:45
28:25 – how many employees; bunch of interns; 3 sales;
29:00 – why did you chose venmo the name?
29:15 – how do you compete with square?
30:15 – what do you think about foursquare? they have an api
31:33 – cap at $500; keep it simple