Mr. McTeague, I can't forecast how many will go out of business, but just on the enhanced fee, we've seen the financial statements of several retailers in the last two weeks--and I'm quite prepared to provide them to you on a confidential basis--and you can see the dramatic change on the enhanced credit card.
Look, folks, you have no idea of the significance of this thing. We're talking about something like up 50% overall, because these cards are ubiquitous. When you look at the ads on TV and say “oh, I get 2% for groceries”, no grocer has agreed to that. That's not a deal.
François, do you want to comment?