I'd be very happy to answer the question, and I thank you for it.
I'd first want to add to David's and Kenneth's comments about the international interoperability. It's a fundamental premise of Visa card usage that the card or payment credential that you get from your issuer in Canada is used anywhere that Visa is accepted around the world. We're certainly working very closely with GSMA, the cellphone group, and with Rogers and others to ensure that this model of international interoperability continues as we move to the mobile world. So I absolutely support the response there.
In terms of the protective sleeves, first off, when you receive a card, every issuer in Canada requires that you call to activate that card before it becomes usable. You typically have a sticker on the card and a phone number to call and then a password to communicate with the bank in order to physically activate the card, so that at the point at which the customer is getting the card, it's not activated until they actually make it so.