I will, very quickly. For our part, we work with all the financial institutions. Most of the financial institutions know that they don't know how to do what we're doing. You could argue that there's self-interest on the banks' part to use that, but I think that in the long term and in the bigger vision for what we see them working with, they aren't out to do this to exploit. I think there's a recognition that if people handle their financial affairs better, everybody works out to be better off, including the financial institutions. We certainly find them to be totally open to what we want to do.
On September 26th, 2012. See this statement in context.