RE:A easy read & easy to understandThere are 7 more of the top ten insurance companies in Europe to go after even if Fobi gets three more that is almost 2 million in licence fees not counting the fees they will get every time a customer uses the walletpass and JMHO but Fobi is just gettig started on insurance companies North America is the next target now that they are established in EuropeJMHO.J.J.