We have been successful in a single debit provider market with no well-financed U.S. competitors, when everyone was on the same page at the same time and instituted a national debit service, yes. As we've seen around the world, we are the last remaining association in North America, and one of a handful left in the entire globe, and that's for a reason. The market evolves too fast now. There are too many competitors. The technology has changed so much. If you think about where the card is going, you already have a chip on the card. Then you think about what happens to that in a mobile world with our cell phones. You can have multiple payment applications on your cell phone.
We need to react faster than ever before, and we're in a very different marketplace. That's why we need to change.