Well, I guess it's not beyond the realm of possibility, but merchants are vetted by acquiring financial institutions who bring them on board, and certainly online merchants represent a higher risk because we're talking about future delivery. The acquirers put these merchants through an on-board vetting period where they take a look at the business model, the rigour of the merchant, and at the principles involved before they sign them up.
Quite frankly, they are assuming some risk. If you are a retailer and I sign you up, and you process $100,000 worth of transactions, you never deliver any of those goods, and you disappear, I'm on the hook for that, as the acquirer.
There is a lot of work in that regard as far as the acquirers go. We have a number of compliance programs that monitor merchants as far as chargebacks, whether or not they're selling illegal goods. We work closely with law enforcement globally, ensuring we don't have merchants doing, among other things, child pornography. Selling illegal goods is something we monitor as well. We'll contact the acquirer and deal with the merchant and, if needed, terminate them from the system if they're violating our rules.