The thing is it started last April and it just gradually got worse. I will gladly provide you with my statements for the past year to show how it has progressed—so much so that most recently, in the last month I have here in front of me, one of the cards I process cost me 3.66%. So it's gone from being 1.64 plus 30¢ or 20¢ or 50¢, depending on the card, to 1.64 plus 2.02.
So it's getting progressively worse and worse, and it's not explained to you how it's done here. It's sort of, “there's your base rate, but here's this other one”—but it's on top of the base rate, which a lot of people probably wouldn't realize. They think the card is pretty cheap, because they don't realize that it's actually on the base rate that you've already negotiated.
I will gladly provide my merchant agreements for the committee, so you can read through them.