First of all, I would say--and I say this with a lot of respect for Diane, because she does great work for her constituency--there is a lot of exaggeration and hyping up on the cost side. I invite you to consider the benefits that accrue to retailers and businesses with a payment system that works very well.
On mobile going forward, the forgotten voice in a lot of these discussions is the consumer. We talk about issuers, networks, retailers. It's the consumer. The consumer likes to be able to use these things. They are the ones who drive our economy, and if we change the structure of the payment system in a way that is going to disadvantage consumers, you will have a negative impact.
On mobile, we have not seen any kind of rollout. As I say, it's building on existing technology and it's not introducing a whole new set of machines or boxes on the retailer's counter. So I think that's going to be factoring into issues of cost.
Diane.