Maybe I could weigh in with an answer to that one.
The technology we're deploying here is based on EMV, which is the chip technology. It builds on top of that contactless, but those are just the first stages because this infrastructure will enable us to do all sorts of new things that will help the processes and merchants.
One example might be the ability to check out within a store using an account that's on the Internet; those types of things. So I could walk down the aisle, pick up a piece of merchandise that I want, scan the bar code into my phone, check out on the Internet, and show the receipt on my phone on my way out the door. These are all things we're testing and demonstrating at the MasterCard labs that we run.