Thank you.
I'll shift over to liability. The new chip cards are coming out. I've heard conflicting stories on the chip cards. The big concern is the shifting of liability. You can correct me if I'm wrong, but my understanding is that with the new chip card it will be a safer system. It will be safer for the users, as well as the merchants and the banks, and the liability is shifting from the banks to the individuals. Or is it just shifting to the individuals who don't change over to the chip by 2010 or 2011?
The question I have there is on the cost for the equipment. For those who are leasing, I understand that it's just a matter of shifting the lease. Is the lease rate going to remain the same, more or less? Or is it going to be something much more expensive? On the corporations--I guess this would apply mainly to the larger merchants who have their own equipment--is there anything built in there so that they can acquire new equipment, or do they have to buy new equipment and bear all the costs themselves?