That can't be accurate in the experience of our businesses, but don't forget that our businesses will take that to their local bank where they're dealing. The complaint will go through there as opposed to possibly through Visa. That's probably what happens.
But I cannot conceive.... In fact, I guarantee you that you have no idea how much cost this has layered on small business. You have no idea. I mean, we're sitting here comfortably talking about this in very esoteric terms, but for a lot of people, this is the essence. The profitability of their business is at risk here. With businesses surcharging and that kind of stuff, we need some transparency in this country and we need some acceptability. That's what we're doing here--at least, I hope we are.