text:  Yeah, on the Flex Credential, we just rolled that out in Japan. But it is an interesting concept whereby the consumer can have that one card that can do a little bit of everything. It's really quite exciting. Tap services, we do realize that people love to tap. It has just grown so much over the last decade. It's so easy and convenient to do. We've had over 6 billion mobile devices in the world that are enabled with this NFC technology. That's the technology that allows for that tap.