Yes. If you look at slide 10 of the deck I gave you, where we look at the obstacles to accepting electronic payments, the fourth one, at 26%, says “concerned with online security”.
We delved into this further. It's related to the fear that they become liable, of course, should there be customer information and so forth that gets stolen or is somehow not properly handled. I think that's part of it.
In addition to that, there's something called PPI compliance. Credit card companies have requirements now on businesses, when they accept credit card payments, that they must have a certain amount of security within their system. That can be very costly as well for businesses, depending on the volumes they transact.
All of these things add up as part of the online security issue, and add costs to the small business. It is an issue, I think, for much smaller firms, especially once they start seeing the e-commerce component of their business start expanding and they're starting to deal with higher volumes and more information, which they then become liable for.
Having the more sophisticated systems to make sure everything is protected is important. Again, that's where the costs come in. As I think Mr. Temple pointed out, it's an ongoing, growing investment that you have to make as you expand into this world. Obviously, having the resources to do that will be very important.