Thanks Karen. Excellent observations and discussion. Kudos to Walmart for clearly "getting" their customers' needs. It's simple, clean and competitively priced. I suspect it will garner substantial usage. That said, this (Domestic U.S. only) business is a diminishing part of key players' business and is not likely to have a significant forward impact. Now the question is...how long until they go cross-border/international, where the real play is?