In the case where we're carrying banks' payment cards on our phones, all that billing information goes onto the credit card bill issued by the bank. Now, to the extent that we can assist and put in transaction alerts through the mobile phone, the smart phone can facilitate that with products offered by the payment networks that will provide visibility into where you stand on your card balance at any point in time.
In the area that I talk about, I'm not talking about putting charges on the cellphone bill. That's kind of a different area of work.