I think that it's fair to say that there is a failure of understanding on the merchant side of the business. On the issuing side of the business there's a very robust disclosure regime that doesn't exist, and perhaps should exist, for small merchants. There are existing federal agencies whose mandates could be extended to bring some of the excellent work they've done in that respect.
However, while the government considers that, MasterCard believes it has a duty to move forward to make sure that happens while those decisions are being made. We're going to move forward with developing a disclosure regime ourselves.