Well, we're not directly involved with the United States, although in my capacity at the CPA I do have occasion to meet with my colleagues both south of the border and overseas.
I can tell you that particularly in the United States their current preoccupation is with regard to risk, I guess, both liquidity risk and safety risk, but it is, as it is in Canada, a very dynamic industry. There are a lot of players moving into the space and new payment products happening. Some are succeeding and some are failing, but as you point out, Visa and MasterCard have done exceptionally well in their growth rate in the United States, and I guess you could say at the expense of some of the smaller regional networks.