You don't think it is a big deal? Yes, we have been chipping and tapping but there is more to it than that. I think it will be a pretty big deal. The uptake will be slow as it seems to be everywhere, in spite of the fact that the terminals are ready. I bank with RBC and I wouldn't be surprised if they drag their heels. Their CEO was speaking out against pay because he felt it would detract from the direct connection with the customer a bank card affords the bank.