Let me ask you something. With Visa and MasterCard constituting 94% of all the action from a credit perspective, given the advent of chip technology, if you're able to offer the same inducements on debit that Visa and MasterCard are proposing to do with higher rates, as Visa is certainly proposing to do, what options do merchants actually have?
You're presenting this as if there's competition, when in reality there's very little competition to begin with. I think we're seeing this thing from a very different perspective, but I'm trying to get from all of you here an understanding of how you think there's going to be more competition when in fact the proposals that are going to be made on the side of debit will actually mean higher fees for merchants and, ostensibly, higher fees for consumers, who are simply going to be asked to have their bank accounts opened within a microsecond and closed. It doesn't cost very much to do this. Competition, in this case, looks like it's going to cost a lot more money, not less.