I'll start with the first question on the technical possibility.
First of all, you have to realize that the clearing and settlement portion basically takes a day. I could ask my colleagues for more details on this, but basically if you do it within the cut-off time, the next day the clearing and settlement will have occurred already. Now if you talk specifically of a credit card, that's one issue. If you talk of other billers, as you can imagine, there are also other systems that need to be put in place. When you talk about credit cards, again, we don't deal specifically with credit cards per se, because there are different ways that credit cards can be paid, but as I said, it could be done for the next day. We cannot talk on behalf of credit card companies, but our understanding is that most of them can in fact give you credit fairly quickly for the payment of your account.
Now is it a failure of will or not? It seems to me that it's not a question of failure of will, because I think it does occur within that period of time for most payments. And when you look at some of the credit cards, again, most of the transactions are done under one of our rules, which we referred to last time, whereby they give you credit for the date of the payment.