I have just a quick question.
With respect to examples of other jurisdictions where you had the credit card companies enter the debit market, in terms of dominance and market share, do you have an example of how they've been able to leverage their brand, their other features that they have with their company, and in charge of the credit cards, to be able to encourage a greater use of the debit service and then eventually start to increase rates? Are there examples of that in other jurisdictions?