There are fees that we charge to the issuers typically for the service that we provide them. Knowing the scale of those fees, I would position them as incidental fees. Similar to how Canada Post is paid to distribute a plastic card today, we are paid to distribute a virtual card on a forward-looking basis.
The other reason we do it of course is that our customers are expecting this, so either we provide a service that our consumer and small-business customers use or our competitors will, and they'll be happy to switch carriers over to them. So it's a competitive issue for us in some respects.