Wow. Quite a non sequitur. There are 2 previous comments, and I know I'm not a chip manufacturer. I'm in payments in the merchant segment of the industry, and at the moment mobile payment presentment is irrelevant in that space. Sorry that EMV is not part of Market Platform Dynamics Commerce 3.0. Perhaps in urban islands where the majority of people don't drive, so don't have to carry a wallet anyway, the mobile wallet will get traction. In the rest of the real world the mobile wallet solution needs to find a corresponding problem.