I should add to that. If you have mobile coverage, now you can provide mobile payment, or at least you can get those cards to the phone, so that's great.
One of the things we're doing through EnStream is trying to make it easy for smaller merchants, who may be in more rural communities, to be able to participate. If you're a big bank, you've got big infrastructure and you can plug into the carriers individually. But if you're a small issuer in a rural market, we wanted to make sure that those issuers would also be able to send credentials.
Related to that, small merchants who may live in these small communities want to be able to accept these payments. They also have to have devices that accept them.
One of the things that you will see, which is something that I spoke about, is that as well as being something that can carry a card, it can also be something that accepts a card. There are applications out there. You've heard of Square in the United States. There's a bunch of add-on features, little things you can plug into iPhones and BlackBerrys, to take a card.
Similarly, when we have these payment-ready phones in our hands--like this one--you'll be able to have a merchant account on a mobile phone and be approached by a consumer who has a card on a mobile phone. If you tap the two phones together, you take a payment. So now you don't have to have physical infrastructure, a payment terminal, or a big bill from an acquirer. You can have a pay-per-use type of transaction service, which is what Square has done in the U.S. and pointed out that there's an opportunity to serve that.