Mr. Chairman, I think you've struck what is a critical point for deliberation by this committee, because there is, indeed, the possibility of exactly those unintended consequences.
We don't have to look further than the U.K., and what happened there, when it was agreed that the banking institutions would drop the convenience fees they offered. What we've seen is a precipitous drop in U.K. access to ABM machines as a consequence. We've also seen that it's put a real damper on the development of their shared-cost dispensing and point-of-sale terminals. So I think you've put your finger on a really critical issue here.
I have a lengthier explanation on precisely that point, which I'm going to provide to you in writing.