Actually, we may wish to go in that direction, because these types of payments can be efficient, but the day someone gets ripped off, the whole industry goes down. Right now, a lot of this is strictly regulated, if I can say that, by your agreement with the provider, as you know: it's that fine print with clauses that say, “I, the provider, am responsible for nothing at all”. You can find those clauses even in the bank's agreements. I could give you a few nice examples. That's not the way to go. That's not the way to make sure that people trust what's happening.
I'm looking at it from the consumer's standpoint. I'm sure that the retailers would tell you they have the same types of clauses in their agreements with the banks or with the different providers. We need to put some sort of minimal order in there.