We've been doing work in the recent past that will continue through 2012 to try to promote the introduction of global standards for payments. That will allow the financial institutions and the scheme operators to develop or expand existing platforms, which should drive further efficiencies. So adoption of global standardization will reduce cost.
With straight-through processing, manual intervention is removed within the handling of the payment, whether it's at the merchant's back end when they do the reconciliation.... All of that should lend itself to further efficiencies in the system.