I have a couple of responses.
First of all, it's important to note that our fees went down as well as up. That also helps bring prices down, as would any reduction in operating costs. But it isn't usual in any environment for operating costs to be spread across an entire customer base. For example, if I'm going to a supermarket and I'm buying lettuce, which doesn't require refrigeration, I am in the process paying for the refrigeration required for ice cream. Overall, these fees represent a very small cost. There have been increases and they're the first in seven years, so I can understand that there has been a reaction, but they are not, as a whole, large.
On average, the increases on $100 transactions have gone from 9¢ to 13¢. The reductions have gone from 9¢ to 24¢ on the same $100 transaction. So I accept your hypothesis, but the adjustments have caused the ability for prices to go down as well.