With respect to the first suggestion on standardization, the industry, banks and credit unions have already developed the mobile payments reference model to provide a certain degree of guidance and structure going forward. I'd want to think about what the implications would be of going further than that because I don't want to stifle innovation. At the same time, it's an evolving space. You want to let the market work its way through.
That was the first question. Could you repeat the second one?