MITK has a monopoly and they can charge whatever they wish. Banks now the option of not doing business with them and 256 have signed up. They will have no issues with collecting revenues. Even if they have some infringement on USAA, which I doubt based in the USAA filings, they will pay a small royalty. In the meantime, revs are growing 100% Q/Q for the next 3 years. In 2014, they can be earning $.90/shr and the patent suit will be resolved and the stock will be $30.