That's an excellent question, and Jim can certainly add to this.
Getting ready for the chips has been a very expensive proposition for all acquirers. We've spent tens of millions of dollars preparing our systems, because our systems need to change, and the industry has probably spent hundreds of millions of dollars buying new point-of-sale devices. I know that for TD Merchant Services, it has been north of $50 million over the last several years that we have spent from our capital to purchase new point-of-sale devices, which get deployed by us because the average merchant ends up having a rental agreement with us as part of the services. So as part of the monthly fee they pay for POS rental and servicing of that device, we've built in redundancy. So I will send a service technician out to that merchant site, where we'll deploy a new chip-capable terminal for them, at typically the exact same or lower cost than the old terminal that's out there. So we've enabled those merchants.