I didn't say it was simpler. There's going to be a variable value delivered to different merchants. For example, a gas station isn't going to experience the same increased sales that another merchant might. So we lowered the rate to recognize that there is a finite limit on the amount our card can produce in terms of increased sales. That required more rates. But for any given merchant, there are only three consumer card rates.
On May 14th, 2009. See this statement in context.