But the question I have, and the concern that some would have, is that for low cost right now, at 10¢ per transaction, or if you were to be at 12¢ in the future, that would be low cost in one way. Another way of looking at it would be that if a competitor is charging 2.5% and you're charging 2.25%, that would be low cost in a completely different way. Maybe you can shed some light on which way you're talking about that.
On June 16th, 2009. See this statement in context.