I understand what you're saying.
I was in business for a long time. I owned about ten different businesses, including an office supply store. At the door of that office supply store we used to have cases of photocopy paper. I can promise you that if I had sold only photocopy paper, I would have been out of business the first day. There are loss leaders because it's such a competitive industry. But some things we made a lot of money on—pens, for instance, or pencils. You make a lot of money on the little things people don't notice the prices of.
In this particular case, you’re entering into a new market that is highly competitive, that is going to offer a lot of options to a lot of folks, and where there's going to be economy of scale because a lot of people are going to be involved. I know banks make some money on some things and not a lot of money on other things. In this particular case, do you see this as a loss leader, or do you see this as a cash cow for the banking industry?