Okay, I accept that. Well, I don't accept it all, but I understand what you're saying.
I think, then, part of the issue is getting information so we can even judge whether we accept what you're saying. You know, we can't even get immediately from banks the cost of electronic transmissions involving ATMs. Can you give us a breakdown of the cost, on average, for every one of these aspects of the whole electronic payments system, as is actually possible I think in Great Britain through their Office of Fair Trading, so at least consumers then know?
That's sometimes why you need regulations, because if you let it just be a self-regulating model, first, you're not always guaranteeing consumer protection, and second, there are a whole lot of costs that get passed on to consumers that may not be more than simple ways of increasing one's profit margins. Sure, the banks can say that all this new technology is just beyond their free will and it just happens. Or we can understand it in terms of something that's being pushed on consumers by financial institutions, because in fact it allows them--