I think that's an excellent question. I think when you're thinking about platforms, platforms are very different. Some platforms can be competitive with other platforms, and the example would be shopping malls. When you have one mall and another mall in the next suburb, if the shopping mall owner makes the retailers unhappy, they'll move to the next suburb, to the other shopping mall. It's still a platform. However, the interesting issue with the Visa and MasterCard platform is that right now they are dominant. They have an extremely high market share and everybody has to use them.
So you're absolutely right that different platforms have different levels of success, but I think when you're thinking about platforms, the issue is that there's always around the corner--possibly, maybe--another platform that can come in and compete against them. We don't know, but I think maybe through technological change, through the Internet, through organizations like PayPal, or other kinds of systems, they will possibly reduce--