yes, the dates were selected conservatively based on monetary goals.  We already have some partnerships that we have not disclosed.  But if we can gain a lot of funding then a lot of stuff on our roadmap actually have the chance of moving up in the timeline.

that one partnership in 2018 is for POSA cards and that can be moved up easily with more funding but the reason we placed it so far in the timeline is that we wanted real world use cases developed first before getting our physical cards into retail outlets.