Again, depending on how the merchant was processed before, we did not pass through the commercial card transactions. As I said in my opening statement, in some cases we blended the rate. As an example, we would have said the merchant discount rate was 2%. We may have now moved to 1.8% plus 20 basis points for Infinite or plus 36 basis points for commercial. So we've tried to unbundle the pieces to better reflect the new structure Visa has implemented.
On May 26th, 2009. See this statement in context.