Maybe I can take a first stab, and I think some of our members would like to comment.
First of all, I'd make two points. One is that there's a mix of costs and benefits across the system. As Ms. Hughes Anthony said in the opening comments, banks, individual customers, and merchants each have costs and each have benefits. Yes, the merchants pay the interchange, but they certainly get a range of benefits from that. They don't have to carry cash, they get immediate security of payment, and they don't have to set up their own credit adjudication system. It's all done for them. They get online payments and they get increased spend. There's a mix there.
In terms of the costs being all on one side and the benefits all on the other, if you look at what the banks have to do, you see that the banks have to fund all the costs of issuing the cards. They have to fund the costs of the systems and the interface with the network. They take care of all the fraud costs; last year those costs were half a billion dollars, and it's going up. They take care of the costs of the security system to enhance that. They have to take care of the costs of loan losses; the results of the banks are just coming out, and in some cases they're--