If I may, I'll start.
The PayPal business model is based upon a flat-rate fee to the merchant, and behind the scenes there is a blending of the various card types. So the merchants don't have to worry, for example, if everybody comes into their location and is using a premium card of some kind, or Amex, for example. They still get a flat rate. So we blend the various rates together and offer a flat rate to consumers, which is quite a big benefit to them. They don't have to scramble around trying to figure out what, in fact, they're paying in terms of rates. That's how we address it, and we haven't changed that in years.