Oh, I have lots of time. I'll pass to Mr. Rota in a few moments as well.
Ms. Hughes Anthony, you talked about a kind of misunderstanding or some confusion with the merchants around this whole issue of costs. I'm confused as to why it would be a misunderstanding.
Basically, what they're saying to the committee is that with the change in interchange fees, with the change in the merchant fees, and with the introduction of these premium cards, their margins are being completely squeezed. Their costs have risen dramatically over the last couple of years.
Would you care to comment?