With respect to your first question, in terms of fees, we are not planning on any fee increases as a result of deploying the new terminals. We now have probably about 140,000 or so chip-enabled devices at our various merchants. We're working on replenishing them by 2010, to make sure those who need them will have them.
Our average terminal rental rate has come down over the last few years. So even though the equipment has gotten a little more expensive, the actual rate has come down so the merchants won't bear it. There's one exception, and that is the merchants who own their own devices. They tend to be the really large merchants. They'll have to upgrade and purchase new equipment to be able to handle the transactions. They'll have to do work at their host. This is a very expensive proposition for, generally, the major merchants, because a lot of them will own their own devices.
In the case of the smaller merchants, we tend to own them, and we tend to rent them.