My comment would be that building and growing a successful payments network is all about security. The brand that we provide, the brand that the financial institutions stand behind the payment products with, is absolutely essential. As we've moved to new generations of technology, from the old days of the click-click machines to magnetic stripes to the computer chips that are now on your credit cards, each one of those steps has been accompanied by brand new layers of security that have continued to ensure that not only is fraud not growing but in fact that it is shrinking as time goes by.
The marriage of computer chips within the mobile phone and the computer chip standards that we have built and that probably most of you have on your credit cards and debit cards in your wallets—these together are a nice marriage of technical security, along with the policies that ensure that you're never going to be held liable as a consumer for fraud. Continuing to protect merchants as well as consumers from fraud is critical.