We are looking at a variety of different options at this time. For us it's about what's going to impact the market the least. We have looked at rate-capping as one option. We're not sure that is the best option. Our research has demonstrated that Visa and MasterCard, powerful as they are, have been able to find other ways to charge merchants for that fee. For example, bank fees have gone up. I believe that was the case in Australia, where a rate-cap occurred but then small business bank fees went through the roof. So they are going to find a way to recoup their money. We're not sure that is the best option.
We are encouraging—I'll just conclude on this—Visa and MasterCard to work directly with business at this point. We're going to start with them. We are asking them to look down the wire. As we know, our recommendation to the federal government is to move to regulation at the next point if they don't.