It's a good example.
We see three customers. We have consumers, merchants, and the developer community, everybody from independent developers to shopping cart providers and e-commerce platform builders. It's what we've done. We've worked very diligently with the e-commerce providers, whether it's on shopping cart technology or for e-commerce platforms.
We've created a very rich set of APIs that have allowed all of these cart partners to pre-integrate PayPal into their checkout and shopping flows. In order for merchants to enable PayPal or optimize their website, they simply set up their PayPal account, and then in the administrative part of their shopping cart technology, they just link their PayPal account to their e-commerce website and they can have their checkout optimized automatically. They don't have to figure out how to do all of the coding themselves.