Thank you, that is helpful. Unfortunately we have a ridiculously small bit of time to talk about what is probably the central issue that has come up over the last number of days.
The other issue, as you know, has to do with electronic clearances. There is an issue that frankly the banks are taking the money out of people's accounts and then only posting them later, particularly with even large accounts like credit card accounts or utility accounts or taxes or things of that nature. So the consumer has the worst of both worlds, and yet the consumer is behaving in a responsible fashion, trying to pay their bills on time.
I'd be interested in your thoughts on that.