Okay.
Now, just following up on the line of questioning that's come up a few times regarding this MasterCard switch fee of 0.5¢ per transaction, I'm interested in hearing a little bit more about what Visa and MasterCard have done in the U.S. Maybe that would provide us with a little bit more context for what we might see here, as we move forward, because it does seem like that 0.5¢ per transaction might be kind of an artificial number, a temporary number right now.
What are they doing in the U.S. with Visa and MasterCard debit?