But it seems to me that it's a whole bunch of little rules here and there, in that I may fully pay my VISA bill online today, but VISA in fact doesn't receive the money for two days, or for one day, or whatever it is. So in VISA's mind—if there is a mind of VISA—I'm in arrears, and then you have a whole bunch of little rules that say, no, no, he really did pay it on time, but it's just that we didn't get the money to you on time.
Now in my case, living in a relatively affluent environment, that's not a major problem, but for people who live on the edge of credit, shall we say, not having this paid when they go to their friendly store is a big issue. And for VISA it's a huge issue, because in VISA's mind, this isn't paid, this is an outstanding account, and therefore credit can't be extended. I think for the purposes of merchants, speeding this entire system up.... I'm not just speaking from the consumer's standpoint, but also from the merchant's. Speeding it up electronically is in fact almost a necessity.