Thank you.
A little earlier you suggested as well that a number of opportunities are given to smaller players to compete, and that it may very well be in their interests to compete.
Tell me something. Because we don't have, up until this very moment, a list of your interchange fees, do you have performance programs of the kind Visa has? How do you believe small business is able to access those better rates, which would obviously save them the time and task of having to spend more simply because they happen to be small? Does that not run contrary to your assertion, sir, that this would be good for small business?