I would add from the CPA's perspective that we looked globally at what the developments have been in other countries. Some countries had a particular need that the mobile could address. I don't have to look any further than South Africa. They were underserved by banks, by bank branches. They needed to get access to payments out into the community, and mobile served that purpose.
We similarly don't have that same type of pressing need in this country. We are generally very well served by the financial markets or by financial services and from our payments industry.