A: I'm not sure it's a question of what's being missed. If you're looking to the left and things are happening to the right, you're missing things because you're not looking to the right, not because it's not happening. Costco came out last year with a new card and everyone was talking about it and writing about it. When we come out with our card, people only talk about closing stores. It is true that on the left, we're closing stores. We're not making money. On the right is where we're going. A lot of these things are happening and they're happening in plain sight.