I believe that interchange rates—now, I'll predicate this that this is my latest belief, I don't know if it's completely up to date—are very similar. The compression is unbelievable on the interchange between STAR, MasterCard debit, and Visa, and you're up north of a quarter a transaction, I believe, for interchange.
With respect to switch fees, there are so many fees and assessments in their business models, I can't comment on or discern them.
And remember, my counterpart at MasterCard was talking about the distinction that in the U.S. it's really MasterCard debit, and that means signature debit. For PIN debit or Maestro, you have to look to the U.K. to draw some parallels as to their pricing. I believe the interchange there is north of 10 basis points or so forth. We'd have to look at the specific fees.
But I think the point is that the pricing in these other markets is, to say the least, markedly different from the current switch fee only, with interchange set at zero basis points.