Thank you for your questions.
It actually gives me an opportunity to make a couple of statements about the testimony from earlier this week.
I think there's no doubt that if you live through this experience that we've lived through, you have to ask yourself if there has been a breakdown in a system that we're very proud of. I think the breakdown happens to be in the notion of transparency and access to information about the system.
I actually don't think that's a problem that relates to large merchants as much as it relates to small merchants. One of the focuses that we want to take on, with the CFIB in particular, is making sure that...because large merchants know how to take care of themselves, and they do. They negotiate interchange rates with us and they understand the system quite well. Small merchants, in our view, should be empowered to operate on a level playing field against the larger competitors to our system, and that hasn't happened. We're taking specific measures to make sure they understand the transparency mechanisms we have in place, such as our website.