No, it happened when the interchange rates changed; now they all are driven and there are differential interchange rates attached for each type of card. So a commercial card has a unique set of fees or interchange rates attached to it, as does an Infinite card, as does a regular consumer card. So what we've done is we've tried to articulate that and manage that so the merchant understands that my costs have gone up, for example, 20 basis points for an Infinite card and 36 basis points for a commercial card. We've tried to reflect that on the statement and pass that increased cost on in the example we've shown.
On May 26th, 2009. See this statement in context.