That applies to a purchase that was advertised within the Flow system. So if a merchant advertises in the Flow system, with that purchase, the advertising fee applies.
With regard to staying ahead of the security concerns and the challenges represented there, I think it's a very exciting time. There's a lot of opportunity. What we're doing is very unique and different from security authentication protocol—how you authenticate the payment, how you authenticate the user. We're doing some really exciting research and development with regard to that, and I think it's a very exciting time as we understand how to make that more secure.