Yes. It depends on the perspective because we're populating an ecosystem with both merchants and buyers and sellers. There is a different value proposition for both.
From the merchant side there are increased sales, decreased cost of sale, and a new stream of revenue that Flow offers. On the consumer side it changes a little bit. There's the difference between emerging markets and developed markets and how the consumer sees those value propositions, but in some I can say it's saving time and money. It's the loyalty, it's the value added, it's convenience, it's security, all of that value added rolled up into one.