I think we're behind the curve. I travel quite a bit and I've been to a number of countries—in Asia and so forth—so I can share with you my travel stories as well as my industry knowledge. While we in this country like to think that we're advanced in a number of ways—and certainly our Internet usage is high and up there—our mobile savvy and, in particular, our mobile commerce are behind the curve. A lot of that has to do with the mobile phone being an acceptable wallet, the framework or the infrastructure for using that device, and consumer trust and acceptability of this device as a tool for mobile commerce.
I think these are the things that are inhibiting us from catching up at this time.