In general, I suppose, my view is that government-imposed price controls on businesses tend to not work. It's more of a commercial dispute.
One of the issues that I'd have with it, having read a bunch of the studies, is that there are pros and cons. I don't know if you've had a chance to read some of the studies, but there are a lot of cons and there are some pros to what they did, at least according to the studies that I happened to read. One thing that definitely happened was, because they didn't include American Express in that endeavour, it ended up benefiting them unfairly, I would say from my perspective. And also, I think to the extent that you did that, in this particular instance—and we had banks that migrated their issuing portfolios to American Express—the merchants would be in a much worse situation because the average rate for American Express is much higher than it is for MasterCard and Visa, including the premium cards.