From a practical point of view, in the U.S., the banking network is fairly open. Today, even though every week we hear of more banks closing, there are still over 17,000 banks in the U.S. Many of those are small, one branch. They're credit unions of the firefighter departments, for example. For those banks to be able to do business, whether it's through debit cards, credit cards, or even online banking, the banking network has to remain fairly open. You can actually enter that network in several ways. You can be sponsored by a bank. You can work with somebody like an RPPS, which is owned by MasterCard. There are different ways of entering this banking network, and for a competitor, whether it's an alternative payment provider or a credit card processor, it's easy to enter. Even at the bank level, there's a significant number of banks. As for payment processors, if you sit down and list them, they number in the hundreds. Here it's not even in the tens.
So it's a fairly open network. Almost anyone with a little bit of money who can actually put a deposit down to guarantee the payment flow can join that network. It's just a different structure altogether in the market.