I think some of each. Every sector is going to respond to its own competitive conditions, which, naturally, are going to have some differences. If the economy was more robust right now, you'd probably see a few more costs passed on to consumers, just because the market would bear it. Right now, though, when everybody's fighting for business and wanting to keep their own businesses afloat, they're probably absorbing a larger proportion than they would otherwise.
The problem, though, is that consumers don't know what they're getting. There's no disclosure. They just get a card. They don't know it's a different kind of card. Who reads the fine print and all of that? That's where better information comes in.