Again, Stripe has passed the savings on for the businesses that pay us for payments directly. This actually gets to, I think, your question. The traditional payments companies have sort of a different model than Stripe. They don't build all the software services that we do. We spend billions of dollars a year building all these additional software products that are not just for payments. They help you with additional things, such as identity verification, fraud prevention and a very long list of other services.
Because they do only the payments part, they, like us, for businesses that are just paying for payments, pass everything straight through, so Stripe has innovated by building these additional products and services that traditional players haven't.