I would say that's primarily a question for the acquirers. I know you had them here the other day. They're the ones who put the machines on the desk.
The basic thing is that it is more secure. It really is in the consumer's interest, because it's very traumatic to have your card compromised. This will take care of that.
This has been under way for a long period of time. There is going to be an end date. In the shifting over to the new system of chip, there will be no shifting of liability. The banks will still have that burden of liability. However, it should be a much better system all around because of the chip.