Could I nuance that? I don't think it's quite the same.
When we're talking about concerns in respect of the shadow payment system and the regulatory environment we want, we are concerned that they have sufficient standards for financial strengths. We are concerned that they have sufficient standards for management competence. We are concerned that they have sufficient standards for security and technology, consumer disclosure, and consumer redress. That's I think a different question from that of the technology that effects the transaction from point A to point B. It's a much broader question. Are the two in conflict? I don't know, but they're not quite exactly the same.