It depends what you mean by the norm. What I said is at the end of this year I expect the majority of the Canadian card product to be available for download to the majority of the new phones. That means the new phones we're selling across all carriers.
Handsets in this country tend to turn over on about a two-year cycle as they are largely postpaid subscriptions between the carrier and the customer. So you can see a situation where over about a two-year period, the vast majority of handsets in the hands of Canadians should be able to do this. So at the end of 2014, end of 2016, it should be a very normal situation for a Canadian to use a mobile phone at a contactless payment terminal.