I was just going to indicate that I appreciate that there's clearly an issue here. We wouldn't be having this hearing, we wouldn't be having these discussions, if there weren't. And in many of the exchanges that my colleague and I have had with merchants, we understand that many of the groups and merchants aren't pleased.
I think that as an industry, and certainly as a company, we can do a better job--and have done a better job--being more transparent with our rates and doing a better job explaining why we do what we do. I think that will help. I do think that over time, merchants have forgotten that the credit card network and the payments industry provide tremendous benefit to them. Increasingly, as the business has evolved and matured, they've focused less on the benefits and more on the dollars of expense.