We're in the process of changing right now. What's happening is that obviously since we're “one of”, the payment processing companies aren't necessarily first with us, so we have to wait for the technology to be finalized before we're able to do that.
Once we do that, the responsibility will also switch. We're now responsible for the full pop on anything that happens with fraud on those cards, whereas right now we are protected in some fashion, so we are obviously preparing for that.