Yes, and there could be more fees. There could be standard fees charged, again, for the way the transaction is processed. So there could be different fees that we pay. The merchant can no longer say, “I pay 1.8% as a merchant discount rate and that's my all-in cost.”
As I tried to articulate in the opening remarks, that's the way it used to be. It was much easier for merchants and it was much easier for acquirers to go and levy those costs. Now with the complexity, we've had to spend lots of money to ready our systems, and the industry has typically tried to break out those transactions.