It's hard to believe that the Holiday season is in full swing. I just wanted to extent my thanks for reading us through the year. It has been a pleasure keeping you up to date on important technology trends in the financial services industry. There's never a shortage of interesting news in the realm--from market structure to mobile banking to core system issues to all the other issues we've commented on. Next year promises to be even more active, and I'd like to note that we're stepping up our efforts to bring you more news. Happy Holidays! You deserve a break.