It's more of the fraud issue taking a toll. Our advertisers are now having to take longer to "scrub" the data to see which are legitimate signups and which are not. So instead of telling us by the 15th of the next month what they are reversing or not and then giving us our money, they are now not telling us until the 30th of the month and delaying the money as well. It's really crummy. But the good news is that with everyone being so good about waiting a little bit longer to get their money, the rewards programs can continue running a lot of the offers that they could otherwise not. It's just delayed gratification now. LOL!