A good point about the 800MM iTunes subscribers tied to some form of credit card. Many would have also missed the latest agreement between Apple and China Union Pay. The latter has 4.3 B issued debit cards. China Union Pay also has the back office of their successful Shang Ying Tong prepaid card...some 300 MILLION cards in existence...this card is similar to the very successful Octopus card in Hong Kong. I'm a watcher of both Apple and China Union Pay! And am anxious what is going to happen when they both combine their ecosystems.