One of the other areas you talked about is fees, and credit card fees. I'm just kind of curious, and I'm looking for some input. We're using different types of purchasing mechanisms now. I went to a movie this weekend and bought the ticket online. I actually bought it on my Galaxy 3 phone. It was great. It was easy to do. I did it through PayPal.
Are you seeing new types of technologies such as that affecting your sector? What do you think we should be doing to embrace those technologies and create more competition with Visa in that area?