Confused by this report. In one place, you say "Consumers don’t need the phone with them to make a payment using the watch." In another, you say "Learning new payments behaviors with a new device – e.g. the watch – that can only be used when the iPhone is present could make that process a whole lot more trouble than it’s worth for anyone but the early adopters." So, which is it exactly, phone required to be with you or not?