Great. I guess to Ms. Anderson that's probably good news because as you said earlier about 30% of all your members' overall gross margin.... The costs are 30%, right? That was stuff that you previously testified to at the industry committee.
We've been pushing hard for the government to act on interchange or merchant fees. We've seen something in the budget. We're not sure what it's going to be, if there's going to be anything. It might not be for another year. How much of an effect does this current lack of action coming from all involved have on, for example, your members?