I think you're right; there's some risk there, but in the long term, we think costs for businesses should be lower rather than higher. We like the fact that, because Stripe charges on a revenue basis, our incentive is very aligned with the business. We only make money if the business does.
Increasingly, businesses are paying us for the software services that we build and all these other products that help them grow and manage their revenue, rather than just paying us for the transaction.
You're right that there is a bit of risk involved for us in that, but ultimately, we think lower costs for businesses are just the right direction to move in, and we'll figure it out. If Stripe's revenue goes down a little bit in one year, hopefully we'll make it up in future years.