It's a great question.
I think a lot of the regulations that could cover most of this stuff already exist. We submitted to the mobile addendum proceedings by finance over a year ago. We welcome them and the idea of bringing mobile into the credit and debit card code of conduct, just to make sure it's captured, because you're really just replicating debit and credit cards with mobile phones. The terminology needed to be changed to make sure one was not exempt versus the other. That was a very light-handed way to make sure this is included and to make sure you use technology that captures all types of payment options.
On the other side, in terms of personal information we have good privacy frameworks in place as well. That's already there. We have new anti-spam legislation, in terms of businesses taking this information and reaching back out to people. I don't know that special mobile payments regulation is needed. I think we can just look at how things can be addressed through the existing frameworks.