Square’s initial team consisted of three guys and a cat named Zoë in a studio apartment in San Francisco. We divided up the work. Jack coded the server software. Our only employee, Tristan, wrote the iPhone client software. Zoë sat in Tristan’s lap to compensate for our lack of health insurance. Since I was the worst programmer of the group (with the exception of the cat), I did everything else.* My primary responsibility on that first day was figuring out the credit card business.