I would agree with that, and it depends on how you define mobile. For quite some time you've been able to use your BlackBerry or mobile device to do online purchases. It's no different from a personal computer at home. I've often bought stuff online from airports. That component has been in place for quite some time.
The NFC, near field communication, which is what David is alluding to as the next phase that's going to be rolling into Canada, needs a bedrock of acceptance of contactless. That's where MasterCard was the pioneer in rolling out contactless in Canada with PayPass. We now have an acceptance base where you're hitting all the merchants who are fit-for-purpose, where they're queue-sensitive, high-volume, and they have long lineups; that's really the fit-for-purpose area for contactless.
With an acceptance footprint that's really solid in Canada--and I'm not sure if you're aware, but Canada is, quite frankly, the leader in contactless globally--now the time is ripe to take NFC and then use that acceptance footprint to move mobile payments into the future.