The risk to the merchant with this liability shift that will occur in October 2010 only exists if there is not a chip-capable device processing that transaction.
Our goal is to enable all of our merchants with chip-capable devices before October 2010. And we're well over 60% of the way there, so we've converted already 60% of our merchants to chip-capable devices. Again, as Jim said at the outset, if the merchant isn't capable of taking that risk because they don't have the funds on hand or if they were to go bankrupt, etc., that liability falls to the acquirer. The acquirers are not a fan of this new regulation either, but it has caused us considerable expense to go and retrofit our customer base.