Thank you very much, Mr. Chairman. Thank you all for coming in and making your presentations in this very lively discussion.
Mr. Scholnick, on page 4 you talk about the economics of two-sided markets, and you talk about a balancing act, where a platform loses value if either side withdraws. The objectives of the platform are to make as much money but still keep both sides using your platform, retailers and consumers. But is it a fair two-sided market there, because retailers in my view.... You say there's an option of cash or cheque, but in reality, as Mr. Lee pointed out, that's a decreasing option, if it is still an option today, because as a consumer, if I go into a store and they tell me I can't use a credit card, the reality is I'm going to frequent that store less and less.
Can you address whether this platform is fair to retailers? One side is much stronger than the other in this two-sided market.