We believe that the system has to be balanced and respectful of the needs of merchants as well as consumers in order to work. We don't want to see small businesses' interchange rates spiral. We want to keep them affordable for them. This is evidence of one of the things that we are doing.
I will say, though, that there are many acquirers that offer a flat rate that is independent of card type, even though in the background those rate types are very different. Those packages are available.