I'll be very quick. Some of the paperless options take costs away, but the traditional card, as I mentioned before, will not go away; so we'll still be having the traditional card in the market and the costs associated with that, and any additional costs of rolling out the mobile, including potentially rental of space on the SIM. So some of the new technology has costs associated with it.
On February 13th, 2014. See this statement in context.