It's certainly part of the context in which the decision was made. I wouldn't say it was a direct factor. But we are modernizing the way we deliver services. As we do that, we recognize that more and more of these transactions will be done online, electronically, using a smart phone, using a home computer. That reinforces our assessment that the physical card is not something that is required in order for us to deliver our services effectively and efficiently.
On May 17th, 2012. See this statement in context.