Yes, insightful on your part. Please keep in mind that the mobile wallet is a marketing platform. The one who enrolls is the one who controls the upside revenue opportunity from this new marketing platform. This is a triathlon race for enrollment between banks, merchants and new entrants like Apple. First, for payment accounts, which they have clearly already won with 800 million iTunes accounts already registered with a debit and a credit card. Second, for merchant acceptance, which they have many different connection options, not just NFC but bar codes and iBeacon Blue Tooth Low (BLE) technology they can use. Third, gaining consumer adoption with a compelling User Interface (UI), which goes without saying that Apple does better than anyone else in the Galactic empire. The question is can they extend their user interface and software development prowess to merchants’ antiquated physical point of sale, the critical dependency in the launch of a mobile wallet AND marketing platform.