I understand. It's a very good question.
I think part of what gets lost, as I'm sure the committee understands, is that this is a complex payment system, and consumers are very important constituencies here. They absolutely benefit from card acceptance; they receive rewards and other features associated with the card.
My concern with thinking that interchange is ultimately a consumer expense is that it's inconsistent with the flow. The flow of interchanges we've established moves from the acquiring financial institution to the issuing financial institution; but ultimately we know that the consumers and the merchants are the beneficiaries of the payment system. And if we think of that interchange on an indirect basis, as just a consumer expense, I think what gets lost is the operating efficiencies and the benefits to the merchants in servicing the customer the way they want to be serviced; to deliver products through efficient channels like the Internet or automated field dispensers; and to experience the benefits that many merchants experience, which is that consumers spend more in certain categories when they have access to unsecured credit lines.