First and foremost our belief, since we are talking about mobile, is that mobile has great potential to provide a security framework for consumers in turning security into a user consent model and also unburdening merchants. The Target hack and all those hacks really are part of a response to PCI requirements of the payment networks' requirements of having to maintain sensitive data and an inability to really have standardized ways in which people handle data. That results in large-scale repositories of data behind infrastructure that was never meant to house that kind of information.
Moving away from that I think is important—