Absolutely not. My staff doesn't even understand it. If they see the ad for the thing, they're going to run and get that card and do the same thing. So no, it's misleading, absolutely misleading.
My fees go up constantly. I have to cut somewhere else. I have to cut positions. I mean, I'm looking at the future and saying, “Now what?”
I've come through a rough year with the credit cards and now we're going to debit. If they change to debit, now what do I do? You simply can't predict it. It's hard enough to be in business as a small business when all these things are changing. That's why we need the committee to make some recommendations and act on them. Nobody really gets it. To answer your question, even my staff who work in it day to day don't get it.