I asked the restaurant association yesterday when they appeared before the committee, and I'm going to ask you, Ms. Pohlmann, about premium cards. Many of these cards issued by the credit card companies went to people who already had a basic MasterCard or Visa card and then they were all of a sudden awarded the premium card, which had all kinds of bells and whistles and now costs consumers, etc., a higher fee.
With the introduction of premium cards have you found that people are spending more on purchases in an average basket of goods because they may have more credit than they did before the introduction of this premium card, or has it stayed relatively the same?