Visa

10806.872 - 10826.751 Ben Gilbert

And anti-fraud measures and other value-added services that they have to buy from Visa. Probably a good time to introduce that $6 billion that Visa is doing in value-added services. That is all brand new high-margin products that they've sort of invented in the last 10 years or so that they're trying to sell to merchants. High-margin product. There's no higher-margin product than the core product.