Thank you to all the witnesses for being here today.
I have a battery of questions that I'm just going to ask all of you in no particular order, but I do want to start with this.
Ms. Pohlmann, I'm looking at the various slides, and I see on page 2, under “Retail Hospitality” that businesses are set up to accept various forms of payment, and 98% accept cash. You have a very big sample size of 8,209. Who are the 2% that don't accept cash?