We didn't have concerns. We had heard that concern from the business community and things like that. There was a lot of belief that when mobiles came and the payments were coming out, that the wireless industry was in it because they wanted to get a cut of the per transaction fee. That is not the case, and that model, I believe, was briefly tried in the United States where wireless companies wanted a piece of the interchange, and it just stalls the rollout. The real benefit is having more people using these options.
As I said, it's just like a dumb-pipe relationship. It's a flow through, especially with the secure element on the SIM, where your credit card information resides on the SIM card inside the phone. You don't even have to be connected to the wireless network to make a payment. It's the same as a contactless card. So the wireless provider doesn't know that the payment came from the phone. It could have come from the same credit card that you would have used. So there's no opportunity to build in a fee. If a financial institution made an agreement with a wireless company to give them a per transaction fee, it would have to be based on some kind of algorithm or prediction on how many payments were from mobile. But it wouldn't be an increased fee for retailers or consumers.