Okay, thank you.
Now my next questions are going to be for Ms. Meredith and then Ms. Anderson.
When you talked about us being behind on the business-to-business and the other, it seems to me that the backbone and maybe the technology backbone within these businesses is going to be a little bit of a constraint. You can do all this stuff on the front end, but unless you have the backbone technologies and your business to accept, as you said, matching invoices and payments, your basic fundamental accounting practices are not being done. So that could be a challenge. I wanted to know your opinion on us catching up on some of that.
To Ms. Anderson, I'd like to ask you this. You talked about one side of the equation, the fees on this. But as I go to the small gasoline retailers where I put my debit card in the actual pump, I'm not even actually going into the store and seeing someone. That transaction is being processed. So I'd like to know from a small business perspective...it seems to me that it can generate enough savings to these small businesses. Can you comment on that as well as on what the savings are as opposed to just the transaction costs?