In my opening remarks, I noted that interchange comprises the vast majority of the fees that we charge. So we have those costs, and I think Jim mentioned assessment fees that the card brands charge as well, so those are two inputs that we have. And then we have our own direct costs. We then have to determine how the merchant is processing cards, the type of cards they take, etc., and then we can determine a price to charge to that merchant, obviously being aware of what our competitors are charging in the market as well.
