I would say that generally restaurants and retailers embrace those new technologies. We're seeing PayPal play a huge role, especially with smaller retailers, because they bring all of the different transactions together and provide one cost. We're seeing that most people now, when they go to movies, will “tap and go” to pay or they'll pay online. That's happening in stores and with fast food. That's very common.
I think what is most important for our businesses, when we look at the code of conduct, is just to make sure that when you're given an application on your phone—a wallet or “app” that allows you to pay—you are the one making the choice and not the bank that sent you the app, because we know the choice they'll make will be the most expensive one for the retailer.