I've got about 30 seconds left.
The point is that one of the things we've learned so far is that the way this program is set up certainly benefits the banks, the credit card companies, the acquirers, and the consumers who are receiving the cards, but it certainly works to the detriment of the merchants. That's what they've expressed to us. It also potentially works to the detriment of any of the consumers who don't particularly use those cards and wind up having to pay indirectly for the cost of those cards.