There is no doubt that credit cards, debit cards, electronic payments have improved the lot for many retailers. There is no doubt. That has made it a lot more convenient for them. They are more guaranteed to get paid. There are all kinds of advantages.
You can see even in the data I showed you today that they have no issue paying fees for regular payment credit cards. They see those as fair. They understand there is a cost for that service. Where it becomes an issue is when they start feeling like they're paying for a lot of it, and they're getting nothing extra in value for the extra fees they are paying on top of that. That is the difference. I'm not suggesting that mobile payments or credit cards or other types of payments are not going to be good for business. They are. It's just how much in fees they have to pay. That's the question.