There are huge cost savings. Imagine when you are issuing a credit card or gift card, or you walk into a grocery store and there's a whole row of gift cards that you can buy, when you can deliver those over the air in soft version.... There's the whole cost of producing plastic cards, of stamping them, and in the case of the credit card, the requirement to stamp it with the chip, put it in an envelope, send it to somebody, and then of course, when the expiry date comes, another card has to be issued. The cost savings in being able to download those credentials over the air in real time, no paper at all, no mailing, no distribution, can be really quite exciting.
There is a payment piece, but a lot of participants looking at some of the other applications are looking at terrific cost savings, yes.