If it's helpful, we tend to not think about the company on a return-on-equity basis. There are a number of measures that we look at, earnings per share, revenue growth. I think the guidance that we provided to investors on a global basis is that we, on a long-run basis, expect to grow revenues 11% to 15% and grow earnings per share 20%.
As with most companies at the moment, the current economic challenges are depressing our results. But we're managing our expenses and doing what we can to continue to invest in the payment system and in opportunities, as Tim has laid out, such as debit and chip in Canada.