I'll go back to my comment in my opening remarks: we're still growing at three times the rate of e-commerce in this market. Canadians are transacting on PayPal once every second, and once every minute through mobile phones already, so they're typically already trying new technologies and are using them with PayPal because they're trusting us at that level.
Could it be better? Sure. We're always looking for ways to improve, always knowing that it's an evolutionary process. You always have to keep your eye out for what's next.