Visa

2822.791 - 2843.004 Ben Gilbert

And now with this new Bank of America card licensee system that they're starting to sort of develop here that would become Visa, it's an open loop system. It's, hey, there's one bank on one side who owns the customer, who owns the cardholder, and one bank on another side. And we're going to enable those systems to talk to each other, but they're not the same party. This is open loop now.