Thank you for your kind words, keemo. Strategic planning is critical to business success but it is the ability to consistently develop winning strategies and execute them flawlessly at the most opportune time that separates winners from losers by a wide margin. That skill-set instills a high level of confidence resulting in a clear vision of the road map ahead, irrespective of other “experts’ opinion”.

Industry experts at the emergence of major technology evolution are often wrong due the lack of deep knowledge and personal bias, an inherent problem in defense of one’s self interest. The MasterCard video is a great example:
http://insidebitcoins.com/news/mastercard-claims-bitcoin-transactions-are-suspicious-in-new-video/27030

We are committed to being as objective as we can and always be mindful of our strengths and weaknesses in our pursuit of opportunities that are within our reach, yet never forgetting potential threats and road blocks we need to overcome.

You are absolutely correct that a deep understanding of technology adoption life cycle is reflected in our strategies and execution. We have made a very strong case on the critical importance of a stable trustworthy currency. That will continue to be a huge challenge, not to be taken lightly.

Mass consumer and merchant adoption of digital currency will be even more challenging. The reactive marketing practice of our industry peers is to quickly push a relatively small number of merchants to accept their coin as a medium of exchange, which is meaningless without scale. We believe quite differently. Mass adoption is at least four years down the road. It will take a well executed "pull" strategy involving a number of building blocks with the participation of employees and their employers, sufficiently motivated to want to use DNotes. It is a tough act but an easy sale once our mission is accomplished. CR.I.S.P. for employee benefits may ring a bell.