Thank you clarifying that issue.
I want to ask a couple of questions about the consumer. I'm assuming you're absorbing this into your businesses. You're not passing it on to the consumer, so the consumer still has not really been made aware of these increases in cost. They've gotten these new premium cards. I was one of them. I got a premium card sent to me in the mail, and I put it in my pocket and used it, not realizing until now that there were extra costs. I know there's an agreement between you and Visa and MasterCard that you cannot surcharge, but you haven't been passing these costs on in your own prices. Is that correct, overall?