It all started in 1949 when Frank McNamara scheduled a business dinner in a New York restaurant. Before he lift for the dinner, Frank changed suits. When the waiter presented the check, Frank realized that he had left his wallet in the other suit. The embarrassing situation was solved, but that night Frank asked himself: "Why should people by limited to spending what they are carrying in cash, instead of being able to spend what they can afford?" A year later, Frank returned to the