I have another question for you as a consumer. I distinctly recall that if my card was going to go up in value in terms of what I could borrow—because it is borrowing—and what my limit would be, I used to get a call from the card company or the bank saying that they were thinking of raising my limit to $6,000, or whatever the number is, and I'm at $500.
Now, you guys just send out—I want to know if it's you or the banks—just send me the card in the mail and tell me that my risk has gone up. I can handle more risk. I can go to $10,000 or whatever. That's without actually asking. It automatically happens. Is that your decision or the bank's decision?