There is really just a tremendous amount of innovation that has occurred in the last three to five years in the payment space, and there are a lot of organizations pushing the edges, including their traditional payment networks. It's a highly competitive environment, but it's also one where people are working together to try to create solutions and get at some of the problems that were raised here.
Ultimately, there is one consumer and the merchant wants something very simple. The feedback we have received as we've pushed some of those edges ourselves is that it needs to fit into how they're doing business today. It needs to be simple and represent a value for them, and the market is still deciding what that ultimately will look like.