Certainly in the current environment of a card-not-present transaction where the chip and PIN are not used, that is indeed why there is that premium. We understand that, and we recognize there is that need. But in a mobile environment where there is not that same risk, where there is not the same risk for the payment not to be an authentic one from the individual user, we do not believe that the risks associated and encompassed by the card-not-present charge would transfer to the mobile environment and indeed should not be there.
