That's a good question. I think the question you're getting at is really whether or not I feel as a merchant I'm getting value. I'll separate it into two streams. There's the value stream. First, they can opt for a flat rate, if they want, from their acquirer. They can usually negotiate that or go to a micromerchant firm like Square, where they build in a flat rate. In that case, every card gets charged the same rate. It may be higher in some cases than if you were to go to a mainline merchant acquirer, but—
On February 27th, 2014. See this statement in context.