There is an option.
First of all, as it relates to the transaction amount and the decision to accept, that's a common decision. If the consumer presents a Visa Infinite card, and the card design is clearly laid out, then if the merchant wants to try to influence the consumer and ask for another form of payment, and provide a discount, for example, for cash, that's an option the merchant has. It isn't something that we see as being typical. Our experience is that merchants, when the consumer shows up at the point of sale with goods, want to transact; they want to move quickly. So we really don't see much of a merchant demand for that type of exchange with the consumer at the point of sale.