There were three rates before. Individual merchants went from having three rates to having three consumer rates, but there are 19 rates because there are rate reductions for certain categories. There are volume recognition advantages.
Catherine Swift mentioned 100 rates in the U.S. I think it's probably more, but every time a rate has been created in the United States, it has been a reduction of the fee to the merchant, because it's a very complicated environment there. We don't have that complicated environment here, but there was opportunity to make sure we were more sophisticated in recognizing the differentiated value propositions. A jewellery store sees more upside spending than a grocery store, so we lowered grocery store interchange to recognize that it's higher value than cash and other cards, but less than you'd see for other kinds of merchants.