I believe I've testified, and I'm happy to go over it.
The interchange rate structure is quite simple. We want to provide a rate structure that motivates banks to participate in issuing the cards, promoting them, and investing in innovation, along with a rate structure where, when banks sign up merchants, they can have a set of economics that are saleable to the merchant community to accept. The network works when cardholders see that merchants want to accept it and merchants see that cardholders want to use it. So it's that balancing act that we try to achieve when we establish the rate structure.