Let me just take it one step further. We see this happening with a lot of the credit cards. We'll take it from the credit cards and bring it over for the Interac Association. As far as Visa and MasterCard are concerned, do you see these cards moving to a premium level or a loyalty card level, where there will be extra costs piled on to the merchants that eventually have to be passed on to the consumers? Do you see the cards moving to that area with increased competition?
