There are a couple of things.
My comments earlier were referring to the challenges with the merchant community. I think you've heard from merchants that are not pleased, and we do think that's a problem. We think the consumers, the cardholders, that you refer to in your question are very pleased with the way their cards work at the point of sale. There are clearly some challenges that the industry is going through with credit losses. I think that issue is being addressed.
I do think that the industry can do better, but I think that's something the banks will handle, and it will improve.