I think we're trying actually to provide a choice more than anything else. So I think especially on the consumer side--and I'll use this country as an example--there's always been a drastic difference between offline and online transactions in terms of the number of debit versus credit card transactions. Before PayPal came along in Canada, the credit card was the only way to pay online. So PayPal has been able to provide people the ability to pay with debit, the ability to do bank transfers or manage cash balances, to be able to accept purchases internationally. That's the one really unique thing about small to medium-sized businesses. Offline, they think locally. Online, they absolutely think globally, and they want to be able to accept transactions from people in Europe or the United States or in emerging markets. But they don't want to bear that risk. And there are a lot of Canadian merchants I talk to all the time who will actually use their merchant account for domestic business along with PayPal. But internationally, PayPal might be the only form of payment they accept, because if they get a credit card from Sweden, they don't know how to call up that Bank in Sweden and to figure out how to get an authorization on that card, whereas PayPal bears all of that risk and manages the front of that transaction for them.
There isn't anything in what we're doing that's prohibiting other companies from doing the same. I think by listening to our customers really well, we've been able to build really good solutions for them.