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Now I’d like to move on to

If anyone has questions I’ll be happy to answer them

This ties in with our goal

It is a high-stakes game

Please feel free to interupt if you have any questions

I’d like to wind things up by saying

I'm just gonna run through the main points again

Joe is now going to take over the show

Thank you very much for coming along here today

So, if we translate it into real terms

If everyone is sitting comfortably, i'll get down to it

Climb Credit, a new entrant into the student lending market which just received a $400 million lending facility, is taking a different approach

And on that point, I will bring my presentation to a close.

Another twist on the traditional lending model is that

By distilling down to a single app feature, Google is not only providing a quicker way for users to access the best feature of an app

Well, first we need to figure out what they are

so that content didn’t show up in search results and Google wasn’t able to fully monetize from apps

While downloads might initially fall, user engagement and retention could increase once people are exposed to the value and usefulness of your app through the mobile web

and how it's becoming less effective.

Think about it as ...