For Google that answer is that this is part of a broader commerce strategy. It's to encourage consumers to be out there using their mobile devices, using Google's local offers business. It's not been launched in Canada, but in the U.S. Google has a local offers business that will be tied to the Wallet, such as Groupon. You can imagine that for us there is a constellation of products and services that we think we'll do very well on—and we don't have to charge transaction fees on top of that.
