Speaking of transparency, it's interesting because this issue is so confusing, even in the way you portray this in section V in your opening statement. You say, “Our highest interchange rate went from 2% to 2.13%, and our lowest effective interchange rate was reduced from 1.45% to 1.21%.” I think the message you want to portray is that they kind of break even. But I want to talk about an extreme hypothetical.
Let's say that everyone was using the basic card rate of 1.45% originally, and over a period of time all of the consumers shifted to a high premium rate of 2.13%. That hypothetical extreme increase would be 47%. It seems to me we're hearing that that's exactly what's happening. It may not necessarily be happening to everybody who owns a card, but there seems to be a wholesale shift. The consumers don't even really realize what's going on, but the companies are shifting consumers from the 1.45% cards to the 2.13% cards.
Is there some truth to the fact that there's a general shift in that direction?