Those are the ones that are most important and the easiest to solve.

We have a lot of transactions, and the ones that are the easiest to do are the consumer-to-merchant, where they pay by credit card.

The first ones are going very smoothly, but they're often the easiest ones to catch.

We want to be able to build out a completely seamless experience for customers. That's where the hard work will be.

We want to hit a 50 percent run rate for Windows Vista premium in the first 24 months. That's a substantially more aggressive run rate than we were able to hit with Windows XP.

It's basically going to be a dry run for the Vista launch.