Certainly we would have appreciated the help to arrive sooner rather than later. I don't think there's any question about that. It is a complex area, because it requires a reconfiguration of rates, and there are differences between Mastercard and Visa, I might add. It also requires reprogramming of a lot of systems by acquirers and processors, so it's not an overnight issue.
We would, of course, like to see it come into effect earlier. To the extent that it's delayed, those savings are gone forever, but it is a complex area. It will take some time to bring something into effect.