I don't know how many countries we don't roam with. I think it's a fairly small number of countries.
Whereas I do believe a mobile wallet is certainly going to be a reality in a very near period of time, I don't believe for a moment that it's going to replace plastics. The card on your phone is usually a version or a copy, as it were, of your physical card. So the likelihood is that a customer who went to a country where for some strange reason there was not cellphone service that we roam with would probably bring with them their physical cards—which they probably still have, though they might be sitting in a drawer, admittedly.