Thank you very much for your question.
There are a number of challenges for merchants for small businesses when they want to sell online. Certainly the scale that is present in the United States--simply because their economy is ten times bigger than ours--has enabled a very complex set of support partners to open up, allowing business to be facilitated online. I would say that probably the Canadian infrastructure--or the Canadian ecosystem, to use Doug's word--has been a little bit behind in developing the same level of players. There are players that provide shopping-cart solutions. There are players that provide encryption solutions. There are players that provide card data storage solutions and various gateways. I don't mean to get into the realm of the complex, but setting up the ability to do business online is a complex thing, and it's only getting to be more so.
We're starting to see that network of suppliers evolve. Several years ago we sponsored a book called How to Sell Online, which was a tool designed to help merchants sell online. Unfortunately a paper book is going to be outdated almost as soon as it's published, so we've now replaced that with a system of working together with a variety of the players in the system to make sure that the services continue to be robust.
It's challenging, but I think players like Visa and others, including those at this table, can play a really valuable role in helping to facilitate merchants' ability to sell online.