In the case of chip cards, they'll essentially replace the mag-stripe cards that we have today. It's the intention of Visa and MasterCard, as well as the Interac issuers, to gradually replace all of their cards with the chip technology. We have found that from a merchant perspective the chip technology is a positive thing. We found “It wasn't me” disputes to have gone down. Most countries in the world are moving towards chip. We have a sizable presence in the U.S. We're trying to encourage the U.S. to go to chip as well. Most countries, including most in Europe, are moving to chip. France went there a long time ago, and it's chip-and-PIN, which we believe ultimately is the most—
