We're not. These are incredibly complex transactions that are taking place. Your card swipe at the Ottawa airport has to touch the acquirer, potentially a gateway provider, a processor, before it gets to VisaNet.
I'm very happy to say that at our level we have what we call “five nines” of reliability--that's 99.999%--with maybe one outage in the last 14 years.
That's not to say there aren't places along the chain where there can be challenges. It really is important that the consumer transactions are able to continue. When I commented earlier that having the cellphone doesn't mean you're not going to have your card, it's for that reason. When I commented earlier that you still have the raised numbers on your card, it's for that reason. You'll still run into a taxicab driver, for instance, who still relies on the basic form of Visa acceptance. We designed the system that way, and we think it's important to maintain.