I'll respond to the security issue. That is misleading because the security facet of the card exists regardless of the type of card. So it could be a regular card or a premium card. As we all go toward chip cards, all the different credit cards as well as the debit cards will have the chip card as the security feature. So there's no reason why it would be more expensive, because with chip, as we've seen in the U.K., fraud has decreased substantially, bringing costs out of the system. So the security features are embedded in all the cards, not just the premium cards.
On May 12th, 2009. See this statement in context.