Yes, it's the idea that defaults can probably easily be put into the file name. As some around this table have said, they're still trying to figure out their BlackBerrys. If you can download an app that automatically puts the highest price card at the top and you as a consumer are not really sure how to change the default, suddenly that becomes the card the merchant has to accept if they want your business. That's the piece we want to make sure is clear: that default cannot be there. It's up to the consumer to make the choice, and it has to be an easy choice.
On February 27th, 2014. See this statement in context.