If you would be so kind, please get back to me, because I've been reassured at committee that there will be no cost to the merchant on this. I'm quite concerned about the downloading of the cost of the terminals onto the merchant, as well as the potential cost of fraud being downloaded onto the merchant and, ultimately, of course, onto the consumer.
What other concerns might you have on this potential of Visa and MasterCard entering into the debit card market?