Well, there is a distinction between premium cards and other cards. The irony here is that you have this honour-all-cards rule. When I, as a consumer, am presenting a premium card, I don't really understand that the merchant is paying the difference. Here you are on the one side promoting the premium cards because that's a better deal for you folks, and on the other hand, the consumer, in blissful ignorance, and the merchant, who has no choice, get stiffed with these cards.
So while your market penetration on the premium cards may actually be only 5% at this point, you're not introducing these things for that to remain at 5% for the next two, three, or four years; you want a far higher penetration rate of the premium cards, and the merchant has no choice.
Am I wrong about that?