Has the licensing of virtual software been an issue for Capital One? I think we can continue to manage this one-off with our key providers -- it hasn't become a burden for us as of yet doing it that way. But over time, having an industry-standard model similar to the traditional per-CPU or per-user or per-connection type of licensing model would be valuable. As we talk about being able to move applications in flight, vendors will make our job easier if they're able to provide a consistent model that we can think of as the entire set of processing services, rather than trying to slice it different ways for different vendors.