I'll start with what we currently do with cellphones, and then David can talk about the mobile wallet.
We have a mobile tracker that people can have either on their computer or on their smart phone, and it will show them how many voice minutes they've used, how many SMS texts they've used, and how much data they've used, so they can monitor their plan and make sure they're not going over.
In addition, we send SMS messages out when you're at 75% of your data plan and when you're at 100%. Similarly, on the wire line Internet, we also send messages out at 75% and at 100%.
We're now doing that for data roaming as well. When you're out of the country, you will get a message telling you how much you've used, and if you use more than $50 worth, we don't let you do any more data roaming until you've bought a plan.
We're very conscious of those concerns, and we've built in a lot of systems to let people know easily how much they're using, and if they're going to go over their limit.