Other than the first year, we have been able to self-fund everything that we've done. In fact, our spending on IT as a percent of revenue has actually decreased over that time. It sounds like you're saying there are some new components to ROI, including revenue generation, in addition to cost cutting. The best example we have for this at IBM is in service. It seems like that can get very murky.
Costs are one thing.
But on revenue, it's much, much more cloudy. That is definitely not all new business. Some of that is new business, and some of that is business we would have gotten in other ways. But some of that is also old business that we might have lost if we weren't on the Web. No, that is transactions done on the Web.