I couldn't agree with you more, and I think that's one of the breakdowns we want to address. I think that while we meant well by our customized report, apparently it's not working as well as we thought. And focusing not only on transparency of interchange, but understanding the actual cost of acceptance, which is something different from interchange, is important.
But the other part of that, Mr. Thibeault, is that it's important for merchants to go through a business analysis to see if in fact they should, based on the cost-benefit analysis. That's why part of our program will involve a cost-benefit calculator, because it may put it through the system and say, you know what, you can do this without the cost of credit cards. Cash is good enough.