As for the regulations that prohibit having a credit and debit function on one card, it seems to me that if I'm waving a smart phone in front of a device to make a payment, I'll look at the phone and select which card. It seems to me you would have regulations prescribing that there has to be a virtual separation between the cards. I pick which one I want, and I set the different functions for debit versus credit.
Is that how you see it evolving? What's holding that up?