To the second part of that, we need to ensure that the payments task force reports quickly, and that any provisions related to mobile technologies are embedded in the code of conduct quickly. Those would be helpful measures, from our perspective. Ensuring that the game is not entirely a Visa or MasterCard game would also be very helpful, from our perspective.
The reason we've not been excited about the idea of regulating fees is that there are all sorts of unintended consequences that happen when you regulate fees. We've seen that happen in the U.S. where they regulated debit, and for many small merchants their fees actually went up, as opposed to down. The code is really the solution to that. There are fairly easy ways of making that happen to allow mobile payments, without necessarily getting to the glue of a fee palooza that took place on the in-store side.