Fair enough.
I want to turn my attention to this issue of the merchants and the fees.
During these hearings I've heard your organizations and several other organizations talk about the concerns raised by the merchants and defend those concerns by saying that it's good for the merchants and that the merchants benefit.
Shouldn't the merchants make that decision? Doesn't it seem fair that it should be the merchants, if they're saying they don't like it and you're telling us that it's good for them?