 And we've recently announced a number of new products to try and protect payments as well. So we announced three new AI-powered solutions as part of our Visa Protect Suite to help block fraud. And all of those are being deployed to try and help either issuers or merchants or, in fact, other banks that are making payments across other networks as well to try and protect those. So it's not just about payments on the Visa network, but the impact of identity fraud or scams and other things happening.