Sorry, sir, what I was asking about was the interchange rates. Right now if you have a credit card, when you go up and you swipe that card there's a fee that's paid, of course negotiated with your acquirers, and your banks, and all of that other stuff.
I posed a question in November 2011 to Mr. Bradley, and at the time he said it was too early to comment on a fee structure. So I asked the same question. It was too early to comment on a fee structure related to an extra cost going on top of the interchange for a mobile payment. He said they embrace a transparent, open environment, and will make no secret of their interchange fees. They'll make sure that merchants and consumers are making wise choices. In that timeframe that Visa has now settled on are you saying that there will be no extra cost on top of an interchange rate when someone uses their phone?