Thank you.
My final question is for you, Mr. Sands.
You raised the issue of interchange fees. Other countries basically have put handcuffs on the banks' gouging of people. I know of many small businesses that are impacted by the high cost of access through interchange. How important is it that the government, given that they've provided about $750 billion in supports to the banks, actually require the banks not to gouge small businesses on interchange fees?