That's a perfect question.
The first comment, and maybe it will answer the rest of it—and I'll keep it to 30 seconds—is that we're far more advanced than anyone. If you go to MasterCard's website, they rank us number two in the world for mobile payments. Singapore is number one. Last year, actually, I was a keynote, and I went to Singapore, met with all the banks and the carriers, and they're nowhere near us. In terms of commercial deployments, acceptance, no one's using it. Australia is another country that's nowhere near it. I've done a lot of work in the U.K., and Turkey, and in the U.S., a tremendous amount of work. In terms of contactless payments we're by far the furthest.
At the same time, I'll tell you something else that I think you need to know. I think we're in the early stages. In terms of being aware of an instance of fraud or whatever, there are not many transactions.
We're the furthest ahead when it comes to contactless payments. In other areas we're probably behind. If you go to Africa, people are using text messaging—for example, in Kenya—to pay and transfer money. In Indonesia, we're doing that.
But in terms of contactless payments, by far this is it. Ask MasterCard, Visa, the banks. They all know this is the market where we'll make it or break it in terms of this new area.