My next question then relates to this issue of how people can use the card electronically. Again, I'm given to understand by participants who have been trying to do this that you can't use BPAY, and you have to use the card as a credit card and hand over the number of your card to the merchant, rather than being able to transfer funds electronically. Is that still the case? And, if it is still the case, could you please articulate why that is the case?