Yes. And in their contracts they have an agreement that any network fee charged is a pass-through to the merchant, and then they layer on their other fees.
I am concerned that we don't have that downstream visibility. There have previously been tactics, and this is what I'm getting at. It is so important that these contracts between the merchants and the acquirers are in clear language, that costs are divided overtly so the merchant can see what his or her acceptance decision is going to mean to their costs--