I think it is helpful to understand that the RBC solution for having its credentials residing in the cloud is terrific. However, that's not all of the solutions. I think you might have been asking about the ability to have all of these different card capabilities in one place. That is what we call the wallet capability that is on the phone, and I think Rogers is going to be appearing at a future date.
There are two types of wallet; one is the simple piece that we have right now. I have a CIBC mobile payment app on my phone, but it's just CIBC. The real wallets, the open wallets, will be the ones that allow for all of those cards, coupons, gift cards. That is the really exciting part, from a consumer perspective, because that's where you have the ability to use.... You'll see a demonstration on that.
There are two wallets that are very close to commercialization in Canada. One is the Suretap one, which has been worked on to date by Rogers. It's very exciting. Another one that was announced a while ago by TD and PC bank is called Ugo. Those are examples of the full open wallet that provides the capability that I think you were asking about.