That is in fact our concern, that it's very difficult to take away from a consumer something that they're very used to using. So our concern would be that there are no fees right now, but then, as you suggest, once there is a precedent there and people have that as part of their protocol every day, our experience has been that fees tend to be introduced. As I explained it's very onerous on merchants who are kind of the silent partners in all of this. They're paying the way.
On February 25th, 2014. See this statement in context.